I'm lucky: I own a laptop only capable of running Windows Vista. I say this because I had to use said laptop to format an SD card to FAT32 wtih a 32KB cluster, something I found I'm unable to do using the Windows 8.1 Pro formatting tool.
How can I format SD cards, USB thumb drives and hard drives, etc., to FAT32 with a non-Windows-standard cluster size?
During the format on Windows Vista, I returned with an error stating that
The cluster size is too big for the selected file system.
How am I supposed to format FAT32 with a 32KB cluster if that's not physically possible?