I had a N95 8gb built in memory.
Everything is great until you need to backup the thing.
Memory is nonremovable...
Speed is Limited to about 700kb/sec for reads.hours to back the thing up.

What happens when if the phone dies, and you don't have any backup done, you can't remove and mount the card anywhere else

OMG, I bet he is! That means this "b" guy is sooo noob! LOL.
Or maybe he forgot to count his 500 song on his phone. Dumb to say the least.

Stores sms on the sim card?

200 sms x 160 bytes = 32000 bytes
32 000 bytes/1024 = 31.25 kilobytes = 0.03 megabytes = 0.0003 gigabytes ...
Conclusion:
Your phone is SOOoooo dump :)
It can't even do the math :)))

I had lots of phones with lots of memory, they've all told me that they're full and I need to delete some SMSs before I can receive more. 200 SMS x 160 bytes, my, that must be just over the 2 gigabytess of memory in my phone. Didn't know my math was this poor but if the machine says so it must be true.

"The new process incorporates SLC and MLC NAND on a single piece of silicon"

Meaning ?