Re: My uninformed comment
The other issue IINM is that FAT32 use beyond 32GB is discouraged by Microsoft so as to make people use NTFS instead (in hard drives, this is actually recommended as NTFS is more robust). Because of this uncertainty, using FAT32 beyond 32GB can get iffy. Third-party tools can format beyond 32GB, and Windows should be able to read it, but it's not officially supported: thus your problem.
Biting the hand that feeds IT
