When i use the tool the sd-card was in! It doesn’t matter! The only thing to attend is you must have enough free space so about 10 gb!! After installing the update you must have to clean the waste files form the update with Disk cleanup with System data cleaning!!!
You must use the “Media Creation Tool” form Microsoft, it is working fine! The Tool normaly install Win 10, but when you have Win 10 on you Tablet, the tool only install the Update!!!