I'm behind in SD and card-reader tech

No. USB 3.2 Gen 2x2 = "up to 20 Gbps". There are also USB 3.2 names corresponding to the USB 3.0 and USB 3.1 Gen 2 speeds.

Just to make things more confusing,
  • USB4 Gen 2x1 is not compatible with USB 3.2 Gen 2x1 a.k.a. USB 3.1 Gen 2
  • USB4 Gen 2x2 is not compatible with USB 3.2 Gen 2x2
The speeds are the same but the encoding on the wire is different.
Let it be known that this is when USB officially jumped the shark...
 

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