after you enter the info and remove the disk will the unit reroute(if you miss a turn) with the disk out or do you have to have the disk in?

Also what disc comes with the unit I live in NJ and looked and see there are different disks for different parts of the country.

it will reroute without the disc. the only two discs are east and west. the unit comes with both. nj will be on one

PROTIP: go into the nav settings (MENU>ROUTE OPTIONS) and set number of routes to MULTIPLE and it will give you a few routes to select from when setting a destination from then on.