I went to radio shack today to check out the phone, they pulled one out of the box so I could check out the screen. The SD card adapter was sitting under the phone just as you described.
I was also impressed with the phone. Really solid feel in the hand, nice size.
I'm waiting to hear what real world reports are for battery life, signal reception and phone sound quality. I've currently got a Droid X so I'm curious how you adjust to the screen size difference as well.