That’s a good idea for those who have a USB>microSD card adapter. 
For those who don’t have an adapter, but have an SD reader/writer in a laptop or whatever, just download a FAT32 format utility like this one from Ridgecrop. Click the picture on the webpage to download.
For those who have neither, but have an existing v2 or Pan cam, just stick your card in the cam and format it via the Wyze app. The Wyze app will convert your exFAT32 formatted card to a FAT32 formatted card usable in your WCO or base. I just formatted a new 64GB and 128GB in an old v2 cam and stuck them in my WCO units and they’re working fine…
When you go into the WCO cam settings to “see” your SD card, give it a few seconds to read the card. The larger the card, the longer it appears this takes. My 128GB card shows up in settings after about 4 seconds.