If the maps are on SD - and I have a SD slot on the computer...would I not be able to use that if I wanted to see the Topo on the computer? TBH I don't think I'd ever use it for route planning anyway. OS paper maps for that generally - and planning to use the various online things to generate GPX tracks to download to the device. I've never owned or used one before though so I'm hesitating about having a device which just has a screen with a track line on it - with no features to check it by. Some use will be walking in the mountains, as well as on bike - so a lat & longitude isnt much good for the "where the hell am I" case ?
I've been having a good look at the OSM stuff - I even used Potlatch yesterday to add a 50m path near my house - but it's no good off-road (yet)
You can't use the SD card data on the PC even if you copy all the data over.
a) you'd need a copy of Garmin Mapsource
b) the SD card data is missing the indexing that Mapsource demands.
You may well be able to find unofficial software that will get round these problems, but it won't be straightforward and will take a bit of hunting around.
If you are happy creating detailed routes using google maps or whatever, having the garmin data on the PC isn't vital.
However not having on PC it does mean that your scope for using "follow road" automatic routing (satnav style) is restricted compared with the DVD version on a PC. You can't set up exclusions, and you can't check whether your current "via" points give a suitable route that doesn't take unwanted main road shortcuts.
For offroad, Topo is necessary, but on road the contours and streams are more of a hinderance than a help due to the added screen clutter.
In some areas, OSM is starting to look quite decent - go to the Lakes and change the renderer ("+" at top right of map) to Cycle Map. Contours (from the Space Shuttle) and streams (from 1940s OS map scans) will be less accurate than Topo, but the paths are probably better.