I agree that the driver package is unnecessary and causes too many issues. When I installed it in the beginning my Droid X went into to boot mode every time I connected it to my PC.
However my Droid X does not have to be unlocked when connected to my PC.
I currently run XP sp3 (I don’t think that matters) on my PC and when the Droid X is attached via USB I have two separate drives that appear: The first is the micro SD card “Droid X 32” (M: ) (what I named it) appears above my optical drives, and the second is “Motorola” (L: ) (self named) appears below all my drives.
I made a shortcut link of the SD card drive and posted it in my “My Documents” folder. That’s where I go when I need to access my card. I had decided to name the card so that I could easily find it on systems that have multiple card drives.
Your issue might be that the card is corrupt in some way. Unmount it, physically remove it, and replace it.