Well I didn't spend extra just for a review unit. My laptop had a card reader built in, and so does my new one, aka "why I didn't buy a metal chassis, fanless Macbook and went with a fanless but plastic Lenovo," because I shouldn't have the need to spend extra to compensate for something that Apple should have put in their device in the first place. And I have a card reader on my desktop too because RAW transfer via camera WiFi is painfully slow. And like I said, I never transfer audio to a DAP or even my Android through the device itself. Never had a problem with any Ibasso or Fiio review unit, nor any of my Android phones, including going to a meet and inserting one of my cards into a display unit, so I'm going to assume that's how they work properly out of the box.
That might also minimize the crashes, but more likely not, but in any case you didn't mention that prior to my reply, ie you only put in the slow transfer and card corruption.
In any case, you might want to wait for the Q5 Pro if you can spend more. It's got BT so if you're on the go you don't have to strap the devices together and connect them with a cable - just run BT and put each of them in separate pockets.