i have 4.1e and it did it on there so think your only choice is ti patch it and the cios would help but it would have to be cios 16 but that breaks neogamma.Neogamma r16 still does the same the only way i found was to patch it but there might be a diff way.
@Xdqwerty, You do realise that just about any SD card formatted to FAT32 should work with the DSi. I think, 16GB or 32 is about enough to load all of your games.