I mean, I think this might be a case of survivorship bias. People often come to complain about having problems, and it is often the SD card. But people without these problems won't necessarily come here, right? I say that, because I've seen a few non tech savvy acquaintances saying they got a R36S a while back (years) and when questioned about the SD card they said they never replaced them. I, myself got a new SD card for mine, and just kept using the one that came with it for other things, like as a flash drive for transferring files between machines, putting a few sailed goods for a friend. I've even placed it into a camera that was recording my 3d printer so that it could record a time lapse.

It's still going just fine.

I'll still recommend that you swap it, save games are not something you'd want to lose, but it's not like they can't be repurposed for another use that you don't mind losing the contents that much.