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I;ve been downloading directly from my D60 to my computer. No problems. Why use a card reader? I thinkk I read that downloading directly takes a toll on the camera.
Definitely faster using a card reader, and as importantly, a fast card. You can get a card reader for $10, but compared to a good one at $30-100+ it will suck. This matters if you take gigs of photos at a time like I do. I have filled a 32gb card each day during a whole weekend so you can imagine...