Yeah, it came down to the format. After I used FAT32, it worked.
The only difficult thing was hunting down my damn stock 512MB card since my data is the 6GB variant.
For some odd reason, I kept getting file explorer to lock up on Win XP while trying to format the microSD.
Thank you for all the help! I hit the *thank* button a few times, not sure if it worked.
Got WM 6.5 & Radio 3.42.50 now