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does a full SD card slow down the phone?

No. See what's using your CPU and RAM.

Now, if you had a lot of your internal phone storage used up then that would effect your performance.
Also not correct. The user storage memory runs at the same speed regardless of how much space is utilized. It's not like an IDE hard drive. Now, if you run out of space you'll definitely run into problems but that's a different matter.
 
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