I shot with the SD only in the D500 until my XQD arrived a week or two later.
I have the "Extreme Pro" 95mph SD and the 400mph XQD. I expected to be blown away by the difference in file transfers - not so much.
I didn't measure it but it both were 'fast enough' that I didn't have time to brew a coffee with either one.
I purposefully looked for a card with 'free' reader. Ended up paying about $30 more for a slightly slower card just to get the 'free' reader. That same reader can be ordered separately but it costs $85 CDN - the 32GB card and reader was $105, the card alone is $89. (all prices from Vistek) These are Sony's.
I did look at the Lexar but a review on B&H's site about how slow the Lexar bundled reader was made me pause. And the only cards that have ever failed for me and I've had lots of cards, lots of makes, only ones to fail were two of the Lexars. Makes me shy about buying Lexar, sorry to have caused the company to fail by my boycott but I prefer Sony.
I am looking to buy another XQD so I have two, just in case.
I just like to have two cards in my camera. I could say it is to ensure redundancy which would imply I use one to back up the other but I don't. The honest reason. I take the cards out of the camera to download to the PC - and forget to put it back, grab the camera and opps, no memory card. Doesn't happen with two cards (well hardly ever).