I heard about transit visas too, but never saw one. The idea here is that the standard Suriname visa is expensive considering it's a tiny country with one main road. A cheap transit visa would allow a quick trip through. In the end, I broke down in Suriname and spent a week longer than I'd planned: good thing to have had the standard visa.
The issue with French Guiana is insurance for your vehicle. I paid a lot for a month's coverage, but later visitors have had to pay for a whole year (±800 euros) or been unable to purchase any at all. Some have resorted to photoshop; others have used European green cards, although these are not valid. YMMV.
The roads and ride are not difficult, with the possible exceptions of entering and exiting from Brazil if during the rainy season(s).
enjoy,
Mark
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