okay i think i solved it with the above help (thank you)
when i synced my zune with my new laptop, it imported every song, separating all of the songs by artists in their own folder and thats how they transfered to the card. Therefore, the unit is seperating over 900 folders instead of the songs themselves. So when i insert it, its taking 20 years to try to organize all of those folders instead of simply putting them in the root folder ie directly on the card. im going to remove them from their folders and put them directly on the card and see if that solves load up times and problems.