I've been using OI Notepad for about 2 years. It's very simple. You make notes. You can save them to your SD card, and they save in the .txt format. So, you could put any file you create using the notepad editor on your computer, and then see them on the phone.
Built-in apps are almost ALWAYS watered down versions of what you can download from the app market.. I dunno why you'd need one that was "built-in".. That was my point.