Just purchased the Stiletto 2 and had a MicroSD card question. In the manual it states: For optimal performance, use a PC to format your high capacity micro SD card as FAT32 prior to use in the Stiletto. My card has some MP3's on it already and I placed it in the adapter that it came with and inserted it in the proper slot in our desktop. I couln't even figure out how to locate it, much less format it. (I am 53 and this is all new to me). Is it going to matter all that much if it isn't formatted? It's a SanDisk 4gb card. Thanks for any help I get on this!