I haven't resolved everything, but after an e-mail from Pioneer CS today, I've had a mini "break through" tonight with the SD card. They said if you only have jpeg images on the card, that it would not be recognized on the main screen or put an icon on the left side for you.
Some may already know this, but if you want to put on your own splash screen, you have to go to the main home screen (with the 3 large icons). At the bottom right corner is the settings button we all like to play with. Press that and go to "System Settings". In here press "Flash Screen". In there, you