Thank you very much Clive.
You are right, using a micro SD card can be a boring game playing with different parameters (clock divider, electrical parameters and so on). I was a little disappointed when I noticed the software stays stuck in the HAL SD layers on SD response. Unfortunately, I cannot spend much time on a long bug hunting, so i will come abck to 8GB from SanDisk which works well. The most amazing thing is that I succeeded to make the 32GB card work using the step by step in debug mode and let it run after the init was passed. Incredible , may be satisfying for some test but not realistic in normal life :). I will probably try to find a 16GB but I think that you are right, the fast card are a real golden unit to test the electronic design, I will keep that in mind for my next board design. Still a few electronic parameters on the sdio pins to play with to close this chapter for me.
Just another quick question: what library do you use for SDIO ? HAL seems not so reliable to me (I did not see any LL libs) and I wish i could have strong read/write routines to validate the sdio transfers, I need to quantify the transfer times.
Again a warm thank for your sharp advice, that's a great help for me.