parole05,
They are continually updating the software on the unit. You may have the latest. Someone mentioned a note that was in the box with his unit telling about the new update, but it is not out yet.
You will need the SD card to Record or take Snapshots anyway. You can get a SDHC card reader and 2gb SD card for under $30. You do not have to purchase the one from Humminbird. Any SDHC card reader will work.
Sandisk Extreme III SD cards are the best and most compatible, and Ultra II are also good, just not as fast.
Make sure the reader is SDHC compatible.
Good Luck,
Robert