Still Learning :)
bstolk: I wish they would fix the super slow start up time. My biggest two gripes with it were the slow AF (fixed) and slow startup after deleting photos on computer. I have to FORMAT THE CARD EVERY EVERY TIME that I transfer images to my Mac. This is so idiotic.
Don't know if this will help, but try and set the mem card to protect mode (tiny switch on side) if you put the card in your mac when transfering images, that will ensure your Mac wont create thumb images on the card when scanning. My ipad does this when I use the cam connect kit to transfer from card to ipad.
Putting card into protect mode stops this behavior, just dont forget to turn off protect when returning card to camera... startup times are fast always :)
I had to google this when all of a sudden my x100 had startup times around 7 seconds, drove me nuts, but understanding how apple's devices wants to write to the card when inserted into said devices made the whole thing clear.
It's not Fuji's fault, its Apple + MemCard;)
Hope it might help.