Both
2 things with that user out menu. To get tap points you need to use a source group that allows it and there are only 3 groups: Out 1-16, ultranet out and aux out. You can of course access parts of other source groups as well but if they don't have tap points then you don't get them for those particular ch's either. For instance one 8 ch user out bank might be: outputs ch's 1 and 2 both post fader, aux out ch's 1 and 2 pre eq and then card out 1-4 (card outs have no tap points) see the first pic below (sorry I'm no artist)
The other important part is to use the "user out" banks you made for that SD16 you would go to aes50B out 33-48 and change ultranet out 1-8 and ultranet out 9-16 to "user out" 1-8 and "user out" 9-16. (see the second picture)