> 1.) You can use a second card and download from the first while using 
> the second in the camera.

That's a definite advantage
 
> 2.) The card reader may be considerably faster transferring files than 
> you camera. 

That depends on the USB interface on your computer.  If you've got a
USB 2.0 interface, it is likely to be quite a bit faster.  If all you
have is USB 1.x then direct from-camera transfer will be nearly as fast.

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