OK, for $80 at Walmart I might just have to try this unit. If you read the comments on that page you will see:

"I have had this installed and working awesome and flawless for over a year now...

Here are some questions to answer that they do NOT tell you:

1) It plays from FAT and FAT32
2) SD and USB pendrive are awesome, songs may be kept in folders, individual.
3) ID3 Tags! Wil display if present
4) WMV and MP#, that's it...
5) POWERED USB Port! I have a 60 gig laptop HD in a USB2.0 (usb-powered) adaptec case, and it powers and plays songs from ALL partitions (there are 3 F32 partitions on it)"

So it looks like this unit might be that answer to my dreams. There is a strong possibility I will be going to Walmart next weeks to pick one up, that is, if they still have them....

Bart