Just followed the link above to "SDHC on Helmi's WM5/WM6 for Apache"
Downloaded the cab file. and after a reset I was groovin on my XV6700 with my 4GB card which I was just getting ready to ship back to
FlashMemoryStore.com

I'm running ROM version 3.14.30 WWE
Windows mobile 5

!---so excited---!
I've been trying to get this card to work for about a week now, using DOS partitioning, Formating it in my digital camera with the SD adapter card, other ridiculously futile tactics. Up to this point it HASN't EVEN BEEN RECOGNIZED in my phone.

here is the link again:

SDHC on Helmi's WM5/WM6 for Apache - xda-developers

Hope this ends the confusion for many...