You can use either the card in a card reader plugged directly into the USB port on your computer, or with the card in the player.
Drag & drop (or use the Copy To command in Windows Explorer) from wherever the files are stored on your computer (probably My Music folder) to the card. If the player is set to MSC Mode (Settings > System Settings > USB Mode), you will see the player show up in Explorer as 2 separate drives; one for the internal memory of the player and the other is the card.
Couldn’t be simpler. Grab a cup of coffee or have lunch. Transferring 32GB of files is going to take a while. :smileyvery-happy:
Yes, Windows XP allows selecting multiple folders since ages. Click on the first folder, then – by pressing the shift key – click on the last folder. Now all should be highlighted and can be copied – or dragged and dropped – to the Zip. Alternatively you could copy the whole «Music» folder.