Continuing my study of SdFat, though other side of the frontend is not just using existing filesystems but initializing new ones.
For this the format() method branches over the SD card's capacity to choose sector quantity per cluster, defers to one of 2 methods whilst outputting results to the console. Both of which shares a method for initializing the root directory by zeroing out the 1st several sectors with log messages, & fills both FATs with all 1s except their 1st byte (hex-F8).
1/3?