Personal data, like photos, videos, music and files, can (and IMO should) be stored on the microSD card. I have little faith in storing my critical data in internal storage, because one really nasty drop may render the phone inoperable... and all that internal storage would be inaccessible, rendering my data gone. But apps and app data? Those are really tied closely to the operating system, and should be left on the phone. With the RAM the Note 10 and Note 10+ have, there should be no reason for trying to keep apps on the card. Use the Google and Samsung Cloud backup options regularly - like weekly - and you will be fine.
