Welcome to the forums.
When you transfer your contacts from a regular cell phone SIM to the BB, I believe the default field is the 'Work' field. You can use the select/cut/paste feature to move them, or just retype them.
As for the memory card, you cannot store themes or trackball colors on it. Those go on the device memory.
I would recommend following the first post in this thread to optimize your device memory: http://www.blackberryforums.com/gene...ee-memory.html