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I believe you may need 3rd party software to browse what's on your SD card through the phone. ASTRO is one that I hear alot about, although I haven't played with it very much.
On my SD card, I created a folder called Pictures (while it was mounted to my laptop), and dropped the pictures in there and they come up in the phone's picture viewer. The SD's Download folder is used by the web browser to download files to.