I have the dismount issue as well. I only have trouble with 128GB SDXC cards. 64GB cards never dismount. For me, the issue was very frequent at first. After having removed unallocated space with DISKPART and reformatting to NTFS, and setting the card up
as permanent storage, frequency is down to overnight now mostly.
It is very very annoying to have unreliable storage.
I have tried several 128GB cards (Samsung EVO+, Samsung EVO etc.), other ways of formatting etc. It is not a pure hardware defect, as removing the card from my Surface 3 causes the removal sound in Windows (which you also get when inserting). For all intents
and purposes, however, it is gone from my system.
Curiously, sometimes (but not always) the Device Manager will show problems with the SD controller (an exclamation mark).
I am running the latest build of Windows 10, if anyone should think to ask.
Hopefully someone at Microsoft will pick this up, I can find threads about this type of issue going back to 2014 and the Surface Pro 2, sadly.