To add to that, if you turn off SD card recording, you will still get cloud events if enabled. If you wish to save the cloud events, you can save them to your phone’s local storage or otherwise share them using the share button on the cloud video. You cannot save them to the camera’s SD card since, as described above, they are very different length, etc.
Here’s a Wishlist topic you can vote for to add the ability to turn on/off SD card recording via app shortcuts:
Be sure to click the VOTE button at the top of that page.