Yes every normal file needs converting EXCEPT you can play .mp3 music, and i'd recommend doing so, the ds music format is quite fuzzy.
Anyways thats a great choice, you cant go wrong with Passcard 3 or Superkey, and you can't go wrong with Supercard Lite or M3 Lite.
I'd say just go with Lite, the differences are minute if atall and if you have a DS Lite it obviously looks cosmetically better, be prepared to spend a bit on a MicroSD though, go with Sandisk.
And yes, no flashing.
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