IDE-SD adapter question

[W2HX]

Hi all,

Thanks for previous help on this project. I am working on an old 486 computer and I have replaced a 40 pin IDE hard drive with this SD adapter...
https://www.amazon.com/gp/product/B07G29TZPS/ref=ppx_yo_dt_b_asin_title_o01_s00?ie=UTF8&psc=1

In general it seems to mostly be working. I can see a directory listing of several thousands files located on a 2GB SD card from yesteryear. The SD card was new when I installed it (has been in my possession for years).

However, I do get errors "sector not found" and if I A)bort I get INT 24 error.  I am trying to get windows 95 installed and this is certainly preventing that.

In the BIOS settings I have the hard drive set as "USER" and these parameters:
CY:[1024] HD:[16] ST:[63] LZ:[1024] WP:[0]
These were the parameters in use while I was still using the actual hard drive.

Question 1: Now that I am using an SD card instead of an IDE drive, what, if anything, should I be doing with these BIOS parameters?
Question 2: The BIOS has an option to format the hard drive. Should I format the SD card using this facility?

I did not explicitly put a filesystem on that SD card. I placed it in a windows 7 machine, it was recognized, and I began copying files to it. I then place the SD card into the 486 machine where I saw the sector not found errors.

Any advice how to proceed?
Thanks
Eugene