I called Kenwood Canada today (I live in Canada), and just happened to speak with the guy who went out to the big retail chains to familiarize them with the Excelon series and its USB capabilities. I asked him straight up if I could transfer audio tracks to a thumb drive just as I would any other storage device, and expect the x890 to play them. He told me, again straight-up, yes. He said if I used Phatnoise that I'd get more display info and be able to move to given tracks easier, but that I didn't have to use it if I didn't want to. He made it seem like it was *super* easy. Indeed, he promised me it was super easy. No compatibilty issues, no screw-ups.
Hmm...
gordo