I use the cable for everything. I have not noticed the transfer speed via the USB cable as being particularly slow at all.
As troymail said - the SD card is located where it is because there is no reason to be constantly removing and inserting it - SD cards were NEVER meant to be treated that way in the first place.
When used as designed, the SD card holder in the BCD436HP works flawlessly. I guess if someone insists on using a technology counter to it's designed purpose they can expect results that are also counter to expected performance.
I read of one person tearing up their SD card holder while changing batteries in the dark. Being an engineer I analyzed the battery compartment very carefully, and I cannot see any possible way to accomplish such a task that does not involve carelessness of the highest degree. Even if you did manage to snag a battery end on the card holder, the resistance should be the first clue to STOP and see what is wrong rather than proceeding to FORCE the battery and damaging the radio.