Advice for Reolink Lumus SD cards

Potentially silly question but I have a Reolink Lumus that came with my new build and I've been using the free monthly cloud storage for about a year with no issues. Today I noticed that when I open my cloud it simply says "no files found". I've tried rebooting/rebinding/talking to the useless reolink support bot with no results to show for it. Don't have an SD card for it since the cloud has worked just fine but now I'm looking into getting one if the issue doesn't resolve itself.

I was looking at potentially purchasing a Sandisk High Endurance 128gb microSD but have no idea if that's a good enough one. I've also read that the Reolink cameras only accept FAT32 formatting and any SD card over 32gb isn't in that format. Since I have no idea how I'd go about reformatting one, I want to avoid buying a card that isn't going to function. Any advice on SD cards or the cloud would be very appreciated. Thank you!