That is stupid of Moto, just because they don't include a microSD card doesn't mean the OS shouldn't be smart enough to map to an microSD slot once a card is detected or give you an option to choose.
Are we sure this is a motorolla issue? I have a viewsonic G Tablet running froyo and it behaves exactly this same way. I just assumed it was any android device that had the internal memory partitioned as an internal and a "pretend" sdcard... Can anyone comment on this who has had another device set up this way (note: the d1 is not set up this way, all of the internal memory was partitioned as 1 internal device, the removable sd card was the only "sdcard" media on the device).