I think it depends entirely on method of use... if you have an SD reader/writer on your PC, and an audio device or camera that uses SD, you can copy files back and forth as if you were using a floppy. If you have some goofy program that touches the SD drive to set nefarious bits, or you buy software that comes on an SD card with nefarious bits already set, then yes, you will have problems once it latches onto a specific reading device like a PC.