[Grabber2006]

Вот список исправлений, включенных в SP3 для Windows XP.

Из него сходу можно выделить:

KB297694: Новый диск или подключенный сетевой диск недоступен в проводнике Windows
KB946629: Some Secure Digital (SD) cards do not work correctly on Windows XP-based computers
KB890644: "Unsafe Removal of Device" error message when you resume your computer from standby while an SD media card is inserted in Windows XP
KB921413: A High Speed SD Secure Digital card does not work correctly in a Windows XP-based computer
KB923293: The 923293 hotfix adds support for SD High Capacity memory cards in Windows XP
KB934428: Hotfix for Windows XP that adds support for SDHC cards that have a capacity of more than 4 GB
KB941037: You cannot use an internal SD card reader to create a bootable SD card that uses the FAT32 file system on a Windows XP-based computer
KB946629: Some Secure Digital (SD) cards do not work correctly on Windows XP-based computers

Так что, советую поставить SP3.