The trouble is, my friend, you all know different things

You, for example, seem fairly sure it's the card, but manufacturer specifications, mathematics, some other people's posts, and the consistency of the frame rate and bitrate of my 4K footage have rather convinced me that my class 10s are doing OK - they are high quality Sandisk Transcend premium ones with a write speed of 9MB / sec (72 Mbit/sec), way more than the CGO3+ requires for the bitrates it produces (maximum 50 Mbit / sec right ?).
But with all that said - my choices now are 'spend the £25 on a U3' or 'send the camera back to Yuneec', and it seems fairly obvious which of those is going to be less hassle ! So yes, I will get one tomorrow and try, even though all my instincts tell me it will make no difference...