Downloaded eraseUS and formatted to fat32 with 32k clusters.  Mounted to either 7 or 10 with no problem, see nada instability.  But that's not the coool thing.  I actually have two of these.  One is in the sd slot, one is in the power port via the samsung sd/usb adapter.  Soooo, my 16g 10 is actually a 145gb 10.  I can't imagine what I will actually do with all that, but I have it.  Maybe run a Linux port and web server (just because I can).  Too bad about that external storage limit on iOS....