My 950 XL worked pretty well from day one -got it the day before Thanksgiving via pre-order. A week or two later, I got a 128 GB SD card (SanDisk) and everything went downhill. Even just having the SD card seemed to cause reboots when it wasn't being accessed. I ordered a 128 GB Samsung SD card, no improvement. The biggest was the camera. I couldn't take or view pics without a reboot (or three). After having many Christmas moments ruined by this, I decided to wait for the next firmware before considering changing phones. As of last night, I hard reset the phone with the available software -rolling it back off of the insider .36 build. It picked up the firmware and the .29 update right away. I did not have to reformat the card or anything, it has simply worked since getting the update. I was able to sync all of my Groove music to the SD card (10 GB), I can take and view all the photos and videos I want -all are set to the SD card and not a single reboot. My phone is finally what I needed it to be. Thank you Microsoft.