Ok I did some experimenting and came up with a solution.
I copied the content folder and the lastclip.txt from each card but two to their own folders. Then I mounted the last two cards in the camera and opened final cut log and transfer.
Log and transfer saw the two cards. I used “add folder” (upper left corner) to add the content from the other cards.
Finalcut saw all of the media and stitched it together as i imported it.
Easy just a little time consuming. It seems like Finalcut should be able to stitch spanned clips after transferring them in their incomplete state.
!