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Is it possible to download National Geogrphic Topo files to an MMC card so as to be recognized as ".usr" files by this Lowarance device?

The short answer is no. Each brand uses it's own proprietary format for maps for it's GPS receivers so you will not be bale to transfer the maps to your Lowrance.

I believe that you can use the National Geographic Topo to transfer data such was waypoints, routes and tracklogs.

First, thank you for such a timely response.

Second, which brand(s) and models will provide (for a fee) downloads of topos to the GPS to supplement the non-detailed maps of roads which are preloaded? My old Magellan would allow me to enter waypoints in lat/lon or UTM and I can even do that on this ifinder I purchased today (or not easily it appears). Are you aware of any in the $300 or less range which will permit such - and has a usb port to facilitate the dowloads?