NFC crashes FP3 badly when active and any NFC chip present for a few seconds, reboot fails

No Normal/default is internal, which is something to avoid. All data on Internal extension is encrypted, if the phones stops functioning you loose all your data

Formatted as portable you can move your SD card to another phone or PC and access you data, as it is not encrypted.

Formatted as portable and you will see an eject icon to the right.