Update on this for reference. It's not a full step-by-step because there are many floating variables. I've had to resort to using Archive.org a lot to track down the correct info and files, I felt like a detective.
I ordered the MicroTech USB CameraMate reader on eBay. It's possible to use Sandisk SDDR-09 or MicroTech ZiO!, whatever's available.
I then installed Windows 98SE on VirtualBox 6.0, there are plenty of tutorials online on how to to that, along with the Extension Pack to enable USB, I used a Windows 7 host computer, the Linux machine wouldn't detect the reader, and I had issues with the Windows 10 installation. The Windows 7 machine was running on an Intel which might be better for virtualization. To get the Windows 98SE virtual install to communicate with its host, I needed to set up Folder Sharing from within Win98SE, and share a folder that would show up in the Win7 host. This folder was used to transfer the files needed for fixing the card from Win7 to Win98. The first issue was installing the reader as the default driver that was on the CD did not work with the smprep.exe "fix". The driver is called
Once the driver is installed and you can read your card (it will say that it needs to be formatted), use smprep.exe to fix and format the card, then reformat in the QY100 as per the user manual. .
I found around 80 tracks that were made by the person who owned the unit before me. They're mostly old rock classics with that karaoke vibe, so mostly interesting for educational purposes.
BillGrooves