You don't have the remote the SD Card.
The point I am making is that If you let IP Office manage that file, every-time you make a chance, like IP address, or SIP Port, or whatever, the IP Office Automatically updates that file with the new parameters, and everything works the way it should.
However, if you have edited the file manually, then AutoProvisioning of that file by IP Office is disabled. That is, if IP Office sees the 46xxsettings.txt file on the card, it will use that file, instead of AutoCreating it with new settings.
Most of the issues I have seen people have with IP Office are related to partners thinking they have to manually touch that file. Then down the road when there is a new feature or change, they wonder why it's not working for them.