Generally speaking I have tried everything to access the card, and others. Other then physically unmounting the cards and putting them in an adaptor for the card reader on my PC. I cant access the card be it through the phone and only the phone or having it connected to the PC and tempting to make the PC recognize it.
Only memory/storage i can access on the phone is the internal memory.
And your right about the pix, the camera wont work unless you have a mounted card on the phone, however its not storing on the card everything is storing on the internal storage, even the pix.
I had to clear them all off to get some storage back on the phone, and when I check the SD its still for the most part a blank card theres a couple apps that do seem to actually write to it, but yea other then that I dunno..