I've modded over 25 switches and my personal switch have ALL been exFAT and not a single corrupted SD card. All of them have multiple emulators. I ONLY buy Sandisk SD cards. Honestly I'd suspect fake SD cards and/or low quality cards are the main issue.
i also buy just original sandisk cards in trusted local stores but exFAT corruption happen over time. Just because you had no issues at the same day doesn't says that no issues happen in the future.
A lot of my customers complained after a while that their games got corrupted and needed to be reinstalled.
In a few weeks or a few month the corruption gonna start to happen because every time when a Nintendo Switch crashes with an error (what happen because Horizon OS isn't perfect) there is a high risk that the games gets corrupted.
I had the curroption twice with a 200gb Sandisk mircroSD Card and a 400gb Sandisk mircroSD card on the same Nintendo Switch Console.
Both of the microSD Cards has been reformated and the first 1mb cleaned with the zzBlank image to make sure that the old MBR is completely removed before i formated the card.
If someone doesn't know how to install NSP Files without splitting the files there is a nice and a faster sollution than copy the Files to your SD card and install it afterwards.
1. Download SX server
2. Start SX server, change the directory to the location where your NSP Packages are and click on Scan.
2.1 If your games won't be detected the game name structure is wron it need to be like "Zaccaria Pinball [010092400a678000][v0]".
2.2 Use Switch Backup Manager and change name Auto renaming to CDNSP GUI format to. You'll find this option under "File > Options > Auto renaming > NSP files"
2.3 Then click on e-Shop and click on "Update local database"
2.4 Mark all Files by pressing "CTRL + A", right click and then auto rename files.
2.5 Go back to SX Server and click scan again, your games should be correctly detected, now.
3. Use SX installer or tinfoil and configure the nut server on your switch.
4. You should now be able to install all your NSP over Wifi or LAN using SX installer or Tinfoil.
This is difinetly the fastes and safest way to instal nsp files on your switch, because you write just to your SD card just once instead of twice.