I've ordered a 256GB Sandisk Extreme (SanDisk 256GB Extreme MicroSDXC UHS-I Memory Card with Adapter - C10, U3, V30, 4K,
A2, Micro SD) for $53 from Amazon and that appears to be a recommended card by DJI. I've owned 2 drones already, the Inspire 1 Pro and the
P4P and I've never had a problem that resulted in a serious risk of losing the drone. I know about "fly-aways" but I think they are less of an issue with the newer DJI drone and short of a fly-away I don't see too many cases where a crash would result in loss of the drone. Not saying it can't happen, but the risk isn't high in my book.
With my previous drones the highest number of flights in one day was about 8 and that would be a morning session and an evening session. In cases like that I tend to download the video/images midday so the greatest number of flights worth of video/images I might possibly lose is on the order of about 4. Again, I'll take that very small chance.
The max flight time is 34 minutes but 27 minutes is probably a more practice max time to avoid over draining the battery and to provide adequate energy buffer in case the charge indication is off on the high side. At 27 minutes, or call it 30 minutes to be safe the drone should consume about 25GB of storage so if you were using a strategy of replacing the card every flight a 32GB car would surely be enough. So you land after a flight and then you notice something of interest that you'd like to get back in the air right away, but you have to swap the card because it won't have enough capacity for a second flight. When shooting videos of unpredictable events, like trains, it's better to have a larger card so that you never have to worry about not having capacity in the event that you need or want to make another flight ASAP.
Using a larger card gives you that option, using a smaller card does not. You can still swap as you see fit, but you can't add capacity in a pinch!
Brian