overkill?
that's bigger than WAV.
remember you can still get 'fake' sticks and memory cards on the bay, flashed to think they're bigger than they are, data in the 'fake' section will be very unreliable.
saying that, that's only a small amount of them, sony memory sticks are the worst for it
Generally when you go over it's actual storage limit the device screws up, and you have to reformat to get it to work again, where it shows it's true capacity. The data in that section isn't unreliable, it just doesn't exist at all!