SD cards get swapped quite a bit in DSLR cameras, just like rolls of film--RAW format pics can be huge, and shooting in bursts you can fill a card quickly. DSLR owners may be more inclined to card swap in other devices, too, being used to it. In my phone, removing the SD card requires pulling the back off and removing the battery, so it's pretty clearly not intended for swapping on the fly (even if I didn't keep half my apps on there).
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