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I am using the following SD card with a card reader on my 2021 model 3 without any issue from last Nov until now.
SanDisk MAX ENDURANCE microSD card 256GB
https://shop.westerndigital.com/products/memory-cards/sandisk-max-endurance-uhs-i-microsd#SDSQQVR-256G-AN6IA
MobileMate USB 3.0 Reader...