Factory reset with non-working card

I’m thinking of restoring the car to its factory settings, but I have a doubt that’s holding me back.

The card no longer works and I’m worried that, after the reset, the car will insist on it when I switch it back on. In that case I could end up completely stuck, which I’d rather avoid.

Has anyone already done a factory reset in this situation? I’d like to understand whether after the restoration the card is compulsory or whether you can still get in and reconfigure everything without any issues.