FWIW I believe 4xmono is a lot more disk (or card) I/O than 2xstereo. Quite simply, it's less work for a computer to write 2 files to disk than 4, even if the 2 have twice as much data, and I think the same will still apply with flash cards. I realize SD cards don't have a moving head, but I still think it's relevant. If you have a card that will keep up without erroring, and you like 4xMono for some logical reason, that's fine, but if you have problems, I would suggest you switch to 2xstereo.
Case in point #1... R4's with the original slow hard would frequently get "slow disk" errors at 4xmono, but not with 2xstereo.
Case in point #2... R44 will allow you to run at 24/96 in 2xStereo, but only 24/48 in 4xMono... I expect it's because they know the card can't keep up (same spec for R4 too).
On the flip side of the coin, your 2GB splits will come at 4 hours instead of 2 hours.