i too use a card reader. first it downloads faster than from the camera. make that cameras, of the three i’ve got the software installed for none are particularly quick. secondly depending on the software you get different file names and organization. with the reader it is consistent.
by file name i mean that the fuji image file is like this YYYY_MMDDimagegoup0001.jpg which may be handy if you’re looking for pictures based on date but a pain otherwise. if you use a different naming scheme based on, say subject, then you have to rename each photo. i have enough problems with pictures of the dog in amongst the “flower001.jpg” etc photos from a series of shots primarily of flowers. and once i’ve moved them the “dog” folder will end up having “flower022.jpg” etc in it.
YMMV