A lot of cards come pre formatted (including the Kingstons referred to) but the wise Monkey will put it in his camera and reformat.
For me, I can't remember having deleted photgraphs direct from the card. My usual repartee is to click, click click - download via card reader - put back into camera - reformat.
Now - back to my own Friday nightmare - a new phone cum PDA. Wish me luck...
Conan