Fat32Formatter is freeware and written by TOKIWA to format drive larger than 32GB to FAT32, which means it can walk around the OS restriction that you can format drive to FAT32 only the size up to 32GB on Windows2000/XP/Vista32.
What's really cool about Pi's tho is you can have multiple SD cards with different OS on each SD card and change from say a gaming machine to a full fledged pc if wanted
Again you get what you pay for, its like buying a S series for $300 but its only 1440p native, if you want true 4k, gotta get the X model for $500. But yea you right, when moms buying it anyways, you gotta stay cheap.