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Thank you, I'll have a look.
A bit of positive feedback: my X5iii has been running noticeably better since my last post and I even got the confidence to redo the process and raise it up to the middle speed (1752MHz wasn't it?) and all is good so far with only 1 freeze that was probably an app playing up.
The one thing I have noticed was how much quicker my PC detects the SD cards when I connect the FiiO now - perhaps that's another benefit of exFat.