I haven't tried pulling SD out (when it's set as primary storage) and putting another one in, but would hazard a guess that since the apps are on that first SD, you won't be able to launch any apps (e.g. OneDrive) other than system apps. If someone can do an experiment and let us know, that would be a valuable contribution. (I'm too lazy, sorry.
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Another thing, as soon as you insert another SD into the phone, Android system can create various folders on the card, probably even the whole folder tree for the apps, data, temp files, etc. Call me OCD, but I just hate it when the OS springs into action and sprawls its junk on any pristine SD card I insert. (Of course, it can be reformatted in Mavic, but still...)