I too am a new user but I did much hacking as of yet. First is I did a manual install of 1.5 cupcake. I don't know if they started sending ota in the US yet and if it makes a difference for saving stuff to the sd card, but one way you can organize and add to your sd card is plug it into your computer and mount it. Plus I just downloaded a great little app that is called ASTRO, this gives you the ability to search and manage folders on the phone and sd card. I am still trying to figure out how to have it set up to automatically save and install the apps on the sd card instead of the phone. What I have found out is that some of the apps saved data is on the SD but the main app is on the phone.