Hey, I just picked one up about 4 days ago, and im glad I did. I dont know much, but one memory card slot is behind the battery cover and one hidden behind the upright stand. The OS is installed on the phones memory bank its self.

Im not too sure about MSN email but there is a guide on google on how to set up Gmail which is straight forward, with step by step instructions. Here is the guide btw: http://www.youtube.com/watch?v=YlV4Hj7XfdA

As for the OS2008, its official from Nokia and I just updated it, you can get the software to update it here: http://www.nokia.co.uk/A4321027

As for memory cards, im in the UK and use My Memory

Hope this helps