Glad I found this thread, experiencing the exact same issues as OP. Just to give some background, originally used a SanDisk Ultra 64GB Class 10 Micro SDXC Memory card, model number SDSDQU-064G-AFFP-A, before it got completely corrupted while copying files to it, couldn't delete or even format it. Before this corruption, I never had an issue with the card dismounting, and it was used in exFat format. SanDisk replaced this card under warranty with another 64GB one, but this time they upgraded me to "SanDisk Ultra PLUS". It's this card that from the get-go, constantly dismounted, meaning you could still see the "SDXC" as the D drive, but no access to the actual folders/files. I have to physically slide the card out, and push it back in and then it works for a few hours or so before it dismounts again. The card is currently in exFAT format, with 40.7GB out of 59.4GB free. If this keeps happening, I'll reformat it in NTFS to see if that helps.
Update: bit the bullet and reformatted to NTFS (from exFAT) since the sdxc card dismounted about 6 times today, copied about 30GB on it, about 30GB free, for the past 4 hours, no dismount yet, so immediately it seems better than before, we'll see over time.
Update 2: dismounting happened again with NTFS format. I contacted SanDisk support and we'll see what help and insight they can provide. Another observation I made while taking the card out and re-inserting it, was that the Surface didn't pick it up all the time on re-insertion, sometimes I had to take it out and in multiple times before it recognized it, makes me wonder if there is a physical design/connection issue.
- WoodSurface