the 4GB problem is a limitation of FAT32. i use NTFS so no splitting is necessary--among other perks. it appears that there is an aversion to NTFS for some reason. i use configurable usb loader...
i use configurable usb loader and have always used the latest pimp my wii to keep the system updated. i always accept default suggestions.
all the wii's i use it on run smoothly and reliably.