Yeah, but for example, if you are hiking up a Canyon, you don't want to have to carry a lap top with you to dump your dailies (term for shot 'in the form they are in of the camera before anything is done to them. In some countries other than the US, they call them RUSHES. I always just use the term rushes because people in the industry here use both terms so I cover my bases. I know that is off topic to even this reply but whenever I get a chance to throw in some learning, I will.
So, if you want to record a bunch of stuff throughout the day and cant dump you're rushes, having larger cards are good for some people although I agree with you that for most, 16 or 32 is fine. I use 32 because I am lazy.
I don't disagree with this comment but I like to format in the computer because I like to format for exFat but I only just realized since the last update, if you initialize exFat, you lose your ability to record with that card as it shows up as full. This is a bizarre move by DJI and the only reason I can think of is that they want to save those type of formats for their more costly systems. ExFat, is much better as it doesn't work in 4G chunks but in 32G chunks. That's pretty much the only difference between Fat32 and exFat and with exFat, I never got dropped frames. So strange.
Like I said, you don't have the issue because you can record continuously for 32gig with exFat.
"exFAT was introduced in 2006, and was added to older versions of Windows with updates to Windows XP and Windows Vista.
It’s a file system
optimized for flash drives. It’s designed to be a lightweight file system like FAT32 without all NTFS’s extra features and overhead, but without FAT32’s limitations.
Like NTFS, exFAT has very large file size and partition size limits.
This means you can store files that are larger than 4 GB apiece on a flash drive or SD card if it’s formatted with exFAT. exFAT is a strict upgrade over FAT32, and should be the best choice for external drives where you want a lightweight file system without FAT32’s file size limits.
exFAT is also more compatible than NTFS. While Mac OS X includes only read-only support for NTFS, Macs offer full read-write support for exFAT. exFAT drives can be accessed on Linux by installing the appropriate software.
While exFAT is compatible with Macs — and will be compatible with some devices that don’t support NTFS, like digital cameras — it still isn’t quite as compatible. Microsoft’s own Xbox 360 doesn’t support it, although the Xbox One does. The PlayStation 3 doesn’t support exFAT drives, although the PlayStation 4 reportedly does. Various other older devices may only support FAT32 instead of exFAT.
Compatibility: Works with all versions of Windows and modern versions of Mac OS X, but requires additional software on Linux. More devices support exFAT than support NTFS, but some — particularly older ones — may only support FAT32.
Limits: No realistic file-size or partition-size limits.
Ideal Use: Use it for USB flash drives and other external drives, especially if you need files of over 4 GB in size. Assuming every device you want to use the drive with supports exFAT, you should format your device with exFAT instead of FAT32."
That was quote from this article.
What’s the Difference Between FAT32, exFAT, and NTFS?
I have a 27" 5k monitor so BAM!

Where did you get a 28" 4k? That's non-standard size but my friend has a 29" 4k from some weird company from China that I never heard of. I would recommend to prosumer users the 27" 5k iMac. I got it for my wife and it's one of my favorite computers and contrary to what it says, it can take 64 gigs of memory from Other World Computing but only if you have the new SkyLake chipset. Speeds are exponential and while people think that RAM just gives you more preview and stuff, they are wrong. It gives it a bucket to hold info while it prepares to render and therefore stops the bottlenecking. Trust me that going from 32gigs to 64gigs of ram increases your speed on everything exponentially. I can show you some benchmarks if ya like.