dd is/was not the problem; I have been using it for over a decade (along with sync) for building arm board images.
The problem, it turns out was my lack of groking the "Bootloader Bypass Method" on https://www.armbian.com/odroid-hc4/
First I did not get that step 4 is for only some seconds after power on. My first attempt, I held it in until I got to the # prompt and I guess I was in some internal bootloader prompt. The next time I tried, I slipped off the button after a few sec into the power and WOW, I ended up at the armbian setup. Now others may know to only hold it in for a few sec on boot, I did not.
Then I was 'upset' as I was into armbian, I did not at first realize that step 5 was about log into armbian. Once I really looked prompt example being "odroidhc4:~:#" I figured it out.
So it was on me to not understand the instructions for "Bootloader Bypass Method". Or you can add a bit of text there for step 4 to indicate to only hold in the boot button for a few sec and let the boot continue, as it will go of the armbian SD image. And add to step 5 that you are logging as root into your armbian image and at the armbian prompt proceed.
But I now have removed the bootloader and can easily boot into my armbian image.
Thanks for this fine work.