Some personal notes.
You can run alternate firmware on the Clip, Clip+, and Clip Zip.
See Rockbox.
http://www.rockbox.org/
For windows people, the freeware untility GUIFormat, lets to reformat ex-fat to fat32. Win 7 lets you reformat fat32 to exfat, for any size chip (I have reformatted multiple 16 GB mSDs into exfat to back up my virtual machine under VirtualBox.) I use 64 GB mSD chips on my Clip+ (All 5 of them).
I use the Clip+. A touch screen on a tiny music player is an affection, IMHO...