What is it, exactly, that makes an actual 3DS game card not prone to this? It's still flash storage, yeah? Or is it prone to it, but just experiences comparatively less, since you only write to it as much as you save in that one game, vs an entire system's worth of data saving.
They are prone to this as well, just have higher "endurance", let's say (for lack of better words, sorry but english isn't my mother tongue).
The endurance rate before the cartridge wears out is higher than a SD, but we're talking about incredibly high numbers here, it won't wear out if all you're doing is playing 3DS since you don't really write that much into the SD anyway (compared to how some people abuse them on a PC).
Just one thing, I don't know how old that SD card you have is, but newer ones use something they call "memory leveling" technology. It basically treats the next unused position as if it's the beginning of the card and starts writing from there. This means it extends it's life. Older ones if you had erased something it would be treated again as unused and the data would be written there, where old data was erased from. This made the beginning of the SD card be very heavily used and led to faster wear of the card.
So if you want to use the actual capabilities of the 3DS, which has a lot of writing to the card, it is less recommended.
The data you write (apart from downloading games) is basically nothing for the SD card. Even then, you could download the entire eshop over and over again for quiiite a while and your SD card would still be totally fine. People are underestimating how much information can be written into these things, definitely it's not the 3DS that's going to challenge a decent SD card, not even close.
I'm not trying to convert people here btw, I'm just trying to reassure others that don't 100% understand how these things work and are feeling uncomfortable with the idea of having it on the SD card.