I think we are all having differing experiences with memory cards. I also have an
N95-1 with 8GB Sandisk Micro SDHC. When I first got the phone and card, I tried to format the card in the phone, but it failed, so I formatted in my Vista Laptop using the USB adapter that came with the card.
Using f/w v11 and v12, I did get semi-regular crashes, but I put that down to the poor memory management of those versions of f/w.
When I upgraded to f/w v20, I also formatted the card in the Vista Laptop again, and have only had about 2 crashes in a month.
I seldom transfer files via USB cable to the phone. Small files are sent via Bluetooth to the phone, and larger files (like when I was transferring the music and videos back on after formatting the card), were put back on with the card in the USB adapter, and into a spare USB port on the laptop.
DrPaulos