I thought Transfer over usb is really slow right now. Last time I tried it it was limited to 5mb/s. Instead of the 70 mb/s if you use a good micro sd card. Is install over USB different from the UBS mounting tool used in tegrarcmsmash for mounting sd card?
The Tegra mount tool, which is actually rajkosto's memloader, is a lot slower (locked to a bit under 5MB/s) than the other usb transfer methods, like nxmtp or usb installation using tinfoil, goldtree etc. But it has no file size limitation, so it can transfer large files (> 4GB) to an exfat formatted card, which nxmtp can't.
Since FAT32 is the best option, there's really no reason to use memloader anymore, other than soft bricks.
I get 14-20 mb through my usb type c cable. Slower than 70 but who cares it saves me trouble of removing the sd card, putting the nsp on there running the payload installing the nsp removing the sd card again to remove the nsp then reinserting the sd card and resending the payload. All of that takes more times than the slower pace. Also you can ruin your sd card reader by removing the sd card over and over and then you have a way bigger problem than just waiting a few more minutes for an install.
I never removed my SD after inserting, due to the aforementioned memloader, and, recently, using nxmtp.
I've tried USB installation a few times. Most of the times it worked fine, but in some cases the games never finished installing, which is why I've given up on it for now, as long as I can (with enough free space) just send the NSP and install from the SD itself, but it is indeed the best way to install games atm.
How many people would actually enjoy an application that can convert your card to FAT32 from exfat while keeping a backup and moving the files around automatically?
Quite a bit, I'd guess. But it's simply copying everything to a folder, formatting, then copying back.
Using memloader, on my Samsung 128GB microSDXC U1 with ~75GB used, it took me around 7 hours (2.7h copying to PC, 1 minute formatting, 4.2h copying back to the SD), since it's so slow, but should be a lot faster if you use an actual microSDXC USB reader.