Ran across this web site (do not remember if it has been posted before or not) about hacking the Transcend wi-fi cards"
http://haxit.blogspot.ch/2013/08/hacking-transcend-wifi-sd-cards.html
might help you a bit.
Yeah I looked at that, and another write up about hacking the card, which is where I got the information about how I can browse the root folder using the web interface. My app basically just sends an http web request to the card and gathers the data it needs to enumerate the file system, then it individually downloads the files.
I looked at the PQI cards, and you are probably right, it would be a smarter choice in this scenario, but I didn't know about them until after I bought the Transcend, and I think they actually run the same software so swapping to that if the Transcend fails wouldn't be too difficult in the future.
I don't really need to modify the running image on the card as far as I can tell.
The only real hurdle I have now is getting the wifi portion of the card to start up when in my dashcam. It's strange that it doesn't because from everything I can find about the card it should only require power for that portion to start.
I've heard their support team is awesome and they are willing to hep troubleshoot and even change features if possible to make the customer happy. I'm going to shoot them an email today and see what they say. It might be something as simple as the camera not providing enough juice. If that is the case a firmware mod on the dashcam may solve the problem.
Other than that making my tool better and more automatic, that's the only thing left.