You can move stuff from phone to card using a file browser.
For photos taken with the phone the question is whether the camera app has a setting that allows you to choose where photos are stored? My last 3 phones haven't had SD cards, so I've no insight into how common such a setting is these days. Of course you can still move photos to the card after you have taken them, any decent Gallery app will still find them.
For maps it will depend on what map app you use. For example, OSMAND allows you to choose where offline maps are stored, whereas if Google Maps has such a setting it's well hidden (but may be different on a phone with a microSD card?). And I think that's the general rule: what data of that sort you can store on the card will depend on the app and whether the developer has chosen to give you the choice.
The real point of formatting as internal is to allow you to store apps and their internal data on the card. That requires formatting the card the same way as the internal storage is formatted (there are access control features that the elderly and basic fat32 doesn't support) and encrypting the card (same as the internal storage is encrypted), and that's what stops another device from reading the card. I can't see any reason in principle you wouldn't be able to copy stuff to an internal-formatted card from a PC via USB (because you can copy stuff to the actual internal storage that way), but as I've never formatted a card that way I've not encountered any of the quirks of that system myself.
Whatever you do, one golden rule: anything important you put on the card should be backed-up somewhere other than the phone. This is true for stuff on the phone too (if the phone is lost/stolen/broken beyond use those important photos are gone unless you have a backup), but even more so with microSD cards because they are less reliable than the phone storage. Of course if the card is formatted as portable it's possible to use file recovery software, but some card faults will defeat that (I have had that experience). So never trust either the card or the phone with the only copy of something that's important to you, but especially don't trust a microSD card.