#ESPIDF can work an SD card in a couple of ways. It is a tad confusing as there is the card layer and the filing system layer (FAT) and the filing system layer saves you a load of the low level calls which you initially assume you have to make.
Anyway, I wired up and used SPI mode as lots of examples had that. I find I can write around 250kB/sec. Only just enough for 44.1kHz stereo 16 bit. And some cards are slower just enough to fail to keep up. There is a huge question of 10k pull ups :-)
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So, apparently, for ESP IDF, an IP_EVENT_STA_LOST_IP event is not an issue when your are a "mesh"client.

FFS, it have literally taken me all day to find that out.