Chargers on ebay are a dime a dozen, you will get a good charger for about $10. You can download programs to your phone without an SD card, but when you get one, you will have to move things around, and I think you will find it much easier waiting a few days and doing it on SD to begin with.
Here is an example of an ebay charger for you:
http://cgi.ebay.com/For-Treo-700p-70...em320114088745