Maybe I'm not understanding the problem you're having transferring files, but I had better luck going through the Media Share program (comes with the phone, blue icon). I have to say that it hasn't been easy for me to figure out files and folders, etc., when I go the the homescreen>settings>SD card. I get weird error messages about a card not being mounted when it is, loading up tons of music and pictures, but no change in the memory (which there is). But, if I play my music through my iSyncr (from the Market) and use the Gallery for my pictures, everything is there and shows up. I'm coming from a Storm so I know it's user error, but I'm not finding this part of the phone to be terribly intuitive.