I have some galaxy buds live and some lenovo x15's, both mid range but for gaming on the go, sound quality isn't always my highest priority.
I also have a pair of XR glasses that have a speaker on them right over your ears - its pretty nice for avoiding neck strain but you'd look like a goofball wearing them in public.
I haven't ever tried to use voice on my deck though, that said if you want audio quality i used to love my sony XM4's before i wore em out completely
Sd cards aren't meant to be constantly written to, games are fine by themselves, but the windows OS is CONSTANTLY reading files, making changes, writing logs, deleting temp files, and writing over them, etc.
It won't happen immediately, and it will depend on the grade SD card you get, but eventually your sd card is going to fail and you're either going to lose data or your windows install will start chugging cause the SD can't keep up with the writes anymore. Plus, the SSD will be closer to the bus and get faster r/w anyway.
I assume the people who go around saying its not a problem just got a higher end card or are lucky and haven't had a problem yet.
Its essentially the same argument as "smoking will give you cancer"