I have purchased the US Database Bundle, and also installed the Garmin desktop app. I inserted a 16GB SD card, formatted as FAT32. The software displayed seven products available to update, and the update installer ran without error, indicating that the updates were successfully downloaded. The amount of data on the card is 3.55 gigs. I don't see anything in the card's directory structure that makes me thing everything downloaded as indicated - does this directly layout look complete? Also, regarding the Chartkey... even with expired databases I have been able to view/use IFR approach plates, with ship position... so I am not clear on why I need this?