I posted this recently, elsewhere and it makes sense to note here as well:
If you are genuinely concerned about the SD card formatting, file download, SD card loading and SD card firmware upload/update process, you might want to consider ordering the new firmware on a SD card directly from PS Audio as soon as it becomes available. It will cost you a whopping $29 (unless PS Audio changes the price).
I have done this for every upgrade without issue (save for experiencing that weird phenomenon of the Windom firmware taking two rounds of reversion to the previous firmware and back to get the update to “take”.)
I plan on doing the same this last go 'round (hopefully without that weird Windom experience).
FWIW.