It is always good to unmount the device first. Thinking of it helps
to avoid any problem with mashed file system. On unix it takes to
connect the cable to the adapter and mount it to the directory
tree. After usage, umount command lets one to pull the cable out.
On win mounting is automatic, as I know. After doing the stuff,
I would remove all processes that still use the device. Otherwise,
it may end with corrupted file system. Ejecting reader is the way to
go free, since it is the name for unmount. Cannot say for closure
of applications, but having little icon aside the system clock to
safely remove hardware is something I would use.
Btw, I mount the reader as fat file system, just like usb stick and