Well, thank you very much. However, I acquired the information. I'm on Windows 7 which already employs FAT32 file system. Some other points of interest relating to memory cards, and usb 2.0 ports.
20-30MB/s for large files is typical for USB 2.0. 30-35MB/s sometimes happens, but is not terribly common, and the more random the access (smaller files, generally), the lower that rate will be, even for the devices that can actually pull it off, and saturate the USB controller. IE, pulling off a video should generally be faster than a directory of typical photos. Many times, the card readers themselves will be limited, more-so than just the USB interface, so if you find a PC-integrated reader is only getting 10MB/s, don't be quick to blame USB.
480Mb/s is the rate the bus actually operates at, including all overhead. USB also is half-duplex, which causes some slow-downs. If you want to be confident you'll get > 25MB/s or so, get a USB 3.0 card reader, and plug it into a USB 3.0 port.
So, there is no issue if you can interpret the above. Thank you for your assistance.
Also note that most cards are only rated for sequential writes, so reads of all kinds can and will vary, though reads are usually the same speed as writes in the worst cases.
* Buy the faster rated CF cards since they do help with data throughput speeds on the device itself.