DNM: sd-card crutches (IDFGH-16599)

[pavlohamov]

do not merge it. relates to #15450

[github-actions]

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Bug: CMD0 Workaround Inconsistency Affects Memory Cards

The CMD0 workaround for CMD5 response delay corruption is applied only to memory cards (card->is_mem) and only when SDIO support is enabled. This means memory cards may not receive the fix if SDIO support is disabled, potentially causing CRC errors. The card->is_mem condition also seems inconsistent with the comment's description of the issue occurring "especially after CMD5," which is an SDIO-related command.