Nokia PC suite right now is not compatible with Vista.
Do one thing, ditch Nokia PC Suite, there are many other much better PC suite application out there for Nokia phones. Try Mobtime cell phone manager.
Windows Vista doesn't have address book, what it does have is Contact cards, which are much like address cards. You can sync those. I recomend that you use some compatible Address book application or just use Outlook 2007 on Vista
On MacOS X, why are u going for apps, iSync is already there for address book sync.
Memory card can be used as "Removable storage" in Windows Vista & MacOS X with driver installed. Nokia must be providing seperate drivers for the phone other then with PC Suite?
Since it can use JAVA apps, i recomend that you go through some of the tutorials in this forum or my blog to get Web services on mobile phone such as Yahoo or MSN messenger etc.
@ pathiks
Not everyone needs a smartphone man.