Now, ISTR seeing something about alternative mapping being used by the device (manually selected or otherwise), but is that constrained by how you've bought you maps from Garmin ?
eg the preloaded sdcard means you have to put OSM on the device, whereas with the device-tied version do you have to download onto the device, or do can you download to sdcard (I'd guess with some encoding to ensure only that device can use it) together with OSM also on the sdcard - or does OSM go on the device.
I guess there's also the question re a preloaded sdcard of what the device does when it's logging/archiving - does a preloaded sdcard prevent this.
Biggsy was right - it's complicated. To answer the last bit first, no. The card won't be write-protected, which is scary in itself.
'Older' GPSs - including the Etrexes 'Cx' series but
not the new Etrex 10/20/30 - any map
must be on the SD card. It's either transferred to the card from the software included on the DVD version (wiping any other map on that card, and locked to that GPS), or you buy it preloaded on a card (not locked), or you copy a specially-formatted map file (such as OSM) onto any old blank microSD card (not locked).
The GPS can only read one map file at a time (though that one file can include several different and separate maps - possibly including contours as a layer as touched on above). Even though the DVD version is locked, if you enjoy messing with different maps on the GPS, it is definitely preferable. If you buy the SD card version of City map, you can still switch to OSM simply by carrying 2 cards (but you have no way of overlaying contours on City, for example).
'Newer' GPSs - including the new Etrex series as well as the touchscreen models - can read more than one map file at a time, and can store map files both on the SD card and in memory. Tracks can also be semi-archived in memory. So, for users of the new type, I think the SD card version of the City map may make quite good sense, as it's cheaper. They can still load OSM and contours into memory and have access to all maps in any combination, and the track-archiving needn't impinge on the SD card. (Of course, the GPS internal memory isn't write-protected either, now that's
really scary! - I recommend backing it up to HD, first thing you do.)