you gotta be sure you're looking at the correct disk or you'll wipe your system or your porn stash. I suspect you can find a Linux boot disk utility that can format in FAT16 but if you have a windows machine that'll be easier. If figuring out a way to format FAT16 is the limitation, not the card or the device firmware. Some devices have hard coded limitations (hence my confusion with your post). I bet you can but the cheapest modern card you can find and run diskpart to set it at 4GB FAT16.