One of the first things that I needed to be able to do was download the XD card. First, I tried using Bluetooth, but alas, it did not want to play nicely in large file transfers.
I decided to next utilize an FTP client. Nearly everyone, nowadays, has some webspace with their internet service providers (ISP), some more than others. I went to the Market on my HTC Droid and searched for FTP. The app that I first tried is also the one that I decided to utilize, DroidFTP, by Bratag. The FAQs for this app are located at http://thecrayonbox.org/files/DroidFtpFAQ.html and there is also a link to same in the app itself. I use this method when I have shot a long video clip, and do not have a computer handy, with which to transfer via the clip to the computer via USB. To configure your FTP app, log into your ISP's website and search for their FTP instructions. After you have uploaded the file that you are transferring, it should appear in the remote file listing. If the size looks right, then you can go ahead and delete the file from your Droid, knowing that you can download the file to your home computer at your leisure.
While I have only used this app a couple of times, I have had no problems configuring it or using it. This app is donationware, and worth every penny if you are in a need to get files from your Droid and do not have a computer handy.