I wonder what the alternatives could be.
If I did not try the scan and repair prompted by the Windows, everything probably are still normal or can be salvaged more easily.
(Fat32 single 256GB partition, sd card formatted through android phone allows a single 256gb partition with fat32 File System)
(android do not natively support NTFS, my phone does not recognize NTFS, didn't want third party file manager, need to transfer files between windows and android, my phone can only format sd card into a single partition fat32 filesystem with no any other options, so fat32 it is)
The Phone experienced sudden reboot during the file transfer to SD card(phone's USB C port to SD card reader). Before chkdsk scan and repair, I used command line chkdsk read-only and it shows no error, I browsed some of the card's folders and played a partly transferred media file, all were normal, that partly transferred media can playback what it partly got transferred which is reasonable.
The windows was prompting me to scan and fix the sd card right after I insert the card reader into PC's usb port, I ignored it at first and tried what I described above, everything was okay. But after a few times of the safe remove and reinsert the sd card reader, the prompt still remain, so I gave the scan and repair a try, then the folder contain that half transferred file and some of other folders and files in the sd cards root folder all disappeared and turned into a Found.000 folder filled with .CHK files.
Another thing is, after the phone suddenly reboot by itself, it was not recognizing sd card reader, I tried eject - pull out - plug it back in multiple times, tried the windows's suggestion to scan and fix, still nothing, then I reboot the phone manually and plug in the reader, it was recognized and files in it was playable.
So the scan and fix/repair prompted by windows was definitely the last thing one should do.
Thank you all for your answers.