Formatting the SD card.

Thanks for everyones input. Sansafix, I was just using a spare 1gb to test the procedure. Based on the mixed opinions, do you think it would make that much of a difference if I formatted it instead of leaving it as is? Only reason is because I intend to put about 10 gigs of music on this, and I would prefer to have a snappier database refresh time if I need to swap out a card.