Just want to clarify that I am running the latest stable version of the Raspberry Pi 4 EEPROM 2020-12-11 and the latest stable firmware for the VL805 chip. These were installed using Raspberry Pi OS 64-bit and rpi-eeprom-update. Also, on the system with the SD card, you cannot switch between the splash and verbose mode with the keyboard during boot since it does not accept USB keyboard inputs. Let me know what other information I may be able to provide.