Motorola KRZR K1m

i just got a 1 GB microSD card for my krzr today. i don't have bluetooth card on my pc or usb cable for the phone. should i get the verizon music essentials Kit ($29) so that i could load songs onto my phone? any suggestion? also, will i be able to charge my phone thru the usb cable? thanks in advance 🙂

ps. is there an easy way to pull the microSD card out once it is inserted in the slot?