I've been having this problem with memory card getting unmounted. It seems that after a power down, or a night on charger it just "forgets" to mount the card. Not much on the internet so I'll continue investigating, it gets really annoying though.
I was hoping to get the update to 2.2 (unofficial of course cause Motorola doesn't care about it's European customers. I swear never to buy anything from this company.) not sure now... Maybe it's a OS version problem?
Will try updating this weekend.