I generally use a no cable type USB SDHC adapter similar to this one --
http://cgi.ebay.com.au/New-USB-SDHC-Mem ... 630wt_1137This type of reader packs easier for travelling and no cables to tangle or roll up.
I don't use any software just click and drag the files in Windows, I don't even use explorer just drag it similar to a Mac. The netbook I have has a SDHC slot so if I take that on trips I don't even need the adapter. Once the files are on the PC I tend to use Xnview to browse them.
I would happily revert to cable and used to do this, I guess you could wear out either sets of contacts, so I can't see a clear reason for sticking to either method.