I have a microSD card in my nokia, its 1gb, and it hasn't moved in the 2 years I've had the phone. How often do you swap the microSD cards in your phones? for one they're absolutely tiny for starters and the slots are often in under the battery on many phones so tbh I think its perfectly acceptable that they're using it as a memory expansion device. Yes, they probably should ask the user what they want the card to be used for upon insertion, but I highly doubt they just reformat the card without asking permission.

Windows 7 seems to be good, I rarely shut down and use hibernate 90% of the time, and it has always worked 100% flawlessly...