You have a file limit of around 1mb if using the softmod save to hide your files.
I think the mem card has a 8mb space ... not 1mb.
Listen dr fweega, you cannot transfer any old zip file onto your mem card, it needs to be 'hidden' within a gamesave. So if anyone is going to try this *silly* way of transferring files, you are going to be able to clear maybe 4mb tops out of the installer - and thats if you really know what you are doing.
Do'nt be scared of FTPing, you have a pc, hopefully an nic, maybe even a router...its all set up for you just plug the two things together.