The mSD card bug is a problem with their implementation of USB 3.0 such that the mSD reader erroneously interacts with the audio driver. The high CPU usage by the "System" process, often around 24-30%, occurs irregularly when you wake your device from sleep or hibernate with an mSD card inserted into the device. I myself have this problem as well.
A bypass for this problem is to, when you detect high CPU usage, reboot your Surface which will clear the issue. Of course, this means closing all your programs that you might be working with at the time. If you need to finish something prior to rebooting, you can make the high CPU usage go away by loading a song into your music player of choice, eg. XBox Music, iTunes, Windows Media Player, etc. By that, I mean start playing a song but you can pause it (leave the player open, however). You will find that, as long as the audio driver is engaged, the high CPU usage disappears.