Many thanks to one and all for your help.
I picked up my S5IS today and have been tinkering with it most of the night. While it may not provide SLR quality, I must admit that it's an awful lot of fun -- and a pretty fair camera, too.
I purchased two 4 GB SanDisk Extreme III SDHC cards w/USB adapter, plugged the adapter into my USB hub and everything worked great. I haven't yet tried the SDHC card on the 21-in-1 reader. I figured I'd return it to Wal-Mart, but finally decided to keep it since it does accommodate my sister's new-fangled Memory Sticks. Soon I'll find out if it also accepts SDHC.
One thing has me slightly puzzled. I recorded a movie clip on the S5IS using an old SD card. During playback it ran for several seconds before pausing for several more seconds. Then it resumed playing and the exact same stop-and-go pattern was repeated over and over. Needless to say, this was very annoying. I then decided to record a movie clip on one of my new SDHC cards. The playback was smooth -- no stop-and-go like with the SD card. I guess the difference is in the cards. Those little things sure are pricey!
Thanks again! 
