32 bits can address 4GB just fine That's nonsense. The reason why SD standard goes only to 2GB is limitation of FAT16 filesystem, those non-standard cards must use FAT32 just like SDHC cards. There is nothing wrong with those 4GB cards (if device understands FAT32). There is no hardware difference between 2GB and 4GB SD cards except bigger flash. Also the communication on block level (layer below filesystem, reading/writing blocks) is same.