I have similar problems as well, but they seem to be related to my Z more so than the SD cards I have.
I first had a PNY 256 mb for a while which worked fine. I then copied some mp3s onto it using a proprietary program for my mp3 player. Apparently that borked it for my Z, which has since refused to read any SD card, including a store-bought SanDisk 128 I got a few days ago. With the new card, dmesg simply says "VFS: Disk change detected on mmcd(60,1)" or something, but doesn't mount it or even read it. When I "mount -t vfat /dev/mmcda1 /mnt/card" it says "mmcda1 is not a valid block device." I've tried just about anything. I might try updating the sd modules, but I doubt that would change anything. Its definately the fault of my Z, because my mp3 player still reads both cards, as well as my computer, both windows and linux.
I'm about ready to give up with SD cards and use the empty SD card slot to store used gum or something.