When I ordered the smart effector with a E3D V6 mine came with a 0.4mm nozzle, but on its own the smart effector is not shipped with the hotend parts only the threaded heatsink.
No need to feel dumb, it's not at all obvious. The issue is that SDHC can use the FAT16 or FAT32 format (depending on capacity), whereas SDXC needs to use exFAT format, which requires paying a license fee to Microsoft. That's why open source software does not generally support exFAT or SDXC.
