I assume you have already installed the drivers and such from the CD that came with your Music Essentials Kit, right? Then plugged in the USB cable to your computer and then your phone? Well, if memory card is in you just do the regular "sync music" option on WMP 10 and it will automatically go to your card and not the phone.
If your just putting MP3's (not WMA's) on the card for listening, then NO, you don't need a cable, just drag and drop your MP3's from your desktop into your MY_MP3 folder on the card. If you are, however, wanting to put ringtones onto your phone via Bitpim or sync music from VCAST MUSIC from your PC to your phone or card, then you HAVE to have the cable.
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