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In general on Android tablets if you choose to use the card as internal memory and you someday change your mind you can remove the card and format it and use it for something else. However, you have to back up your tablet before you do that to keep from losing it's contents. You don't lose the ability to re-use your card.
I don't have a Nook tablet but I assume that works the same way.
Like you I usually choose to leave the to use the card as external storage. As media storage it's almost as convenient and if you do want to swap out the card it's a lot more convenient. I don't usually have so many apps on my tablets that I need more internal storage.
Barry
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