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Don't worry about opening the armrest...I just keep the iPod in there 24/7. I only have a nano that is 8 gigs....so i bring it in every now and again to load in new stuff. Don't waste the time with a CF card. Plus you'd have to plug it in to your computer before you load it, which if you don't have a build in slot, you'd have to get the adapter for it...iPod FTW
I use both but I like the compact flash more. I use the random song setting and just load up the compact flash card up. Better than trying to set up the ipod every time.