Your testing is skewed and not in a good way, the problem and confusion that is going on is:
If you do NOT have the newest Firmware and you insert a card that requires the update, does it also update your Firmware to the newest version?
Many have said yes, some have said no. That is the confusion. What you are describing is not relevant as both times you were at the latest Firmware so it only pulled in the update for the SDCard.
If you do NOT have the newest Firmware and you insert a card that requires the update, does it also update your Firmware to the newest version?
Many have said yes, some have said no. That is the confusion. What you are describing is not relevant as both times you were at the latest Firmware so it only pulled in the update for the SDCard.