That library works, but it causes conflicts with other non-Espressif libraries.
Issue is that many of the ESP32 board makers like Adafruit, Sparkfun and Seeed, use the Espressif ESP32 board library - which replaces the SD libraries and a few other libraries with there own. Espressif uses the Posix and standard C libraries which can then cause conflicts with other procedures if you happened to not know.
The only way you find out is by either posting in a forum — or digging deep into the Espressif code, (e.g. following the included libraries).
It would be easier if they examples explain that up front.
It also means that portability across all the Xiao family may require code changes anytime an ESP32 is used.