How to update to TopoActive 2020.20 with a 24K topo microSD inserted into the unit.

Replaced my Montana 680t with a new 700 today.  The initial excitement is wearing off pretty quickly.  Did the software update, then started on the map updates.  It asked me to insert a new microSD card to hold TopoActive 2020.20 and warned me that if I remove the chip, the update would be unavailable.  My question is . . . how can one use a 24k topo microSD and an updated version of TopoActive at the same time?  Doesn't seem possible.