yes, you need a card reader to get a drive letter because windows will recognise these as external drives. The usb connection to the 7k is a midi+audio communication link to a slave device so windows can't format a card in the 7k.
The CB7 will do all the audio tricks in the book for you, cheaper readers probably won't allow audio but should be ok to restore all the technics data backups on the compact disk to your SD card.