So this does make sense but how does one do an upgrade without starting from scratch. Further if Motorola gives you the choice between "internal shared" or "portable", how are you expected to make the switch without starting from scratch? There seems to be a disconnect here that I can't understand. Any thoughts?
From the Moto support site about setting up SD cards.
After I adopt an SD card as internal storage, can I use this card in another device or my laptop?
No. The card must be kept in the device. Another device (laptop, camera) will not be able to view the content on the card. If an adopted SD card is removed from a device, the system will request that the card be reinserted; you will lose access to apps and data on the card until it is safely re-inserted.
IMPORTANT: If an SD card set up as internal storage is removed from the device, it can cause card corruption. There is no guarantee that, upon re-insertion, the device will still be able to read the card as it contains a unique encryption key.
How can I protect my data on the adopted SD card?
We recommend you make sure important content (contacts, movies, pictures, media) and apps are backed up to the cloud.
The lifetime of an SD can vary depending on its manufacturer and class. We see a large variety of cards, each with different properties. If you decide to use an SD card for internal storage, it will typically have lower life span expectations than embedded device storage. Perform regular back-ups to the cloud to ensure you don't lose important data in the event of SD card failure.
What if I change my mind about how I want to use the SD card for storage?
To access storage settings, touch Settings >Storage > select SD card > select the three dots in the upper right > Settings > select whether you want to Format as Internalor Format as Portable, depending on what was initially formatted.
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