I don't want to hear that the card may fail!!!
I've reformatted the card a few times and each time the available space after being reformatted by my torch shows 30.4 gb (while showing base rim files).
After my previous post above, I reloaded all 10gb of music files in 3 separate blocks. After each of the first two loads I unplugged my torch from my pc to see that a repair to the card was required. The first time I clicked yes to saving the clusters, the second time I clicked no. Each repair went ok though took anywhere from 10 minutes to 45 minutes. After the first one I found .chk files (windows fragments, i.e. clusters) which I deleted. All cool.
After loading the third bulk, which was actually 6gb of music files, received "needs to be repaired," clicked no to "save clusters?" and after 8 hours it still showed the repair still occurring. Decided to reformat -- showed 30.4 available space after reformat. Decided to load the 6gb first, after 2 hours still showing repair. After much longer I may reformat yet again and break that 6gb into smaller blocks....Wondering if all of this might have to do with the 32gb disc being only class 2?