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I too updated to 4.0 on my UK F920BT. No problems at all, used an 8Gb Sandisk Class 4 SDHC card. Installation took about 25-30mins then the BT update took about 5 mins. Seems a little slower than my old 2.0 software, especially when changing ipod artists/tracks but at least my maps are up to date 
Didn't loose any of my settings either other than BT. All my history, favourites, splash screen, equaliser settings, all intact
Cheers
Andy
