Thank you for your reply SamAdam. Can torx or someone else answer more directly my question about warranties:

"You mean there is a lifetime warranty that will get u a new Transcend card when it wears out? Can u clarify this? I am afraid of using it this way because I cant afford a new one. thanks

Does anyone have experience with a card actually wearing out and how long it took? I am trying to decide to use virtual memory or not. Thanks.