I've had a Humminbird and now have a Garmin. I've used Navionics in both. I find that Navionics isn't really accurate on the bay or other bodies of water I've fished.
It's generally okay for navigation but if your not careful you can hit uncharted underwater humps.
For fishing, I record the areas I fish and that works well.
I don't know about the other cards, but I think Navionics is getting pretty expensive for how useful it is.
That's my personal experience, but there may others with better advice.
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