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You could get a E3 Card Reader for under $18 dollars, and I've purchased a P3Go GT-Break for $21. If these two options are what you called overpriced crap, hook me up with your everyday purchases.
Using PSFreedom + Reboot Control Widget on my phone, jailbreaking and back wasn't bad. The dongle just makes it easier. Once the dongles are no more, I could use it as a SD Card Reader, a move I wish I've released when I had to use my ****ed up old BlackBerry to transfer one SD data on my computer, then transfer it to my other SD card for my current phone.