Well I hate to depress you all, but I had my Scout in for its first service at the beginning of December. Asked again about a Bolero update; service took the normal amount of time and the Bolero update about the same again! Now it accesses the card (8gb) in about 3 seconds and starts playing straight away after that!!!
Didn't do anything to the card regarding folders, etc. It was exactly the same as when the car went in for the service.
Now it might take 2 seconds to offer the whole card for playing. Choose an album and it plays virtually straight away!
Just how it should be, I'd say. Simply crap programming originally.
Good luck folks!
Looking forward to the Superb Scout!