No no, not the answer I was looking for
You plug in the Droid via usb to a computer.
Pull down the status bar.
MOUNT the microSDHC card.
Fiddle with any files you need to.
Pull down the status bar.
UN-MOUNT the microSDHC card.
Then you un-plug.
If you failed to Un-mount it (re-mounting to the phone), then you could have corrupted the card rather easily.