Talking about 'Home' and 'smart' in the same sentence is an oxymoron.
With the sdhc card in the unit, when you connect to Home, it recognizes the existence of the card and asks whether you wish to select the card or internal for the storage.
So, this is what
should happen............
1. You connect to Home and select the card (assuming the existing map is on it).
2. You update the map (when the time comes).
3. Home
should download and install the new map over the old one with no involvement on your part.
(notice the italics above?)
Reality:
1. Always make an Explorer backup prior to a major upgrade. So you would make a backup of the sdhc card (namely, the map)
2. There is a bug in the current version of Home such that even if you select the sdhc card, it tries to install stuff to internal as well OR internal instead of the card and, as well, if you select internal, it tries to install to the card as well OR instead of internal.
So..........it may happen that you have selected the installation to the sdhc card but it installs to internal instead. If so, just move the new map folder from internal to the card after backing up the map folder from the card prior to the update and then deleting it from the card.
But that's a worst case scenario.
Hopefully, by the time the next round of map updates is due (at least 6 weeks), a newer Home version will be out to fix this faulty storing problem.