You are incorrect. Those have only to do with the cloud recordings/events tab.
SD card settings are in a separate place.
Here are screenshots from my outdoor cam. I subscribe to plus, so I don’t use the backup to base station anymore, but I did at one time.
This is the camera settings page. Red circle is cloud event detection/recording. Blue circle is where to find the sd card settings.
Here’s the advanced settings menu showing the sd card options:
Yes, I admit it is confusing and they should have put cloud event recording rather than just event recording… But that’s another conversation for another time.