When compiling a program including SDcard.h of SD Version 1.24 or 1.30 the actual version of the pico 4.01 generates: ambiguous overload for 'operator+' (operand types are 'arduino::String' and ...
This is definitely what I'd call a "bug" but I'm not sure what can be done about it, short of try/throw/catch mechanism in all of the library which prints a nicer message than mine...although that at ...