but the point is not having to hook the phone up to the computer.If you have looked at the folders on your SD card you can see that specific programs seem to create and manage specific folders. Perhaps that is the reason you are best off only downloading those files that can be opened with a specific app. Otehrwise the SD card could become a tangled mess. On the other hand, I would prefer to be trusted to manage my own SD card but you can easily manage it only when you can see the folders - when the Droid is connected to your computer.
For moving over mp3's try DoubleTwist on your Mac or PC and hook up your Droid via the USB cable. It is a slight bit confusing at first but read some of the forums. It seems to be a very powerful program for managing audio, video and pictures on your Droid.
www.doubletwist.com
anyone figure this out yet? I tried with 2 mp3 ringtones but could only get a "preview"