To exchange the SD card, you have to tore open the phone.
I'm sorry, but just under the battery cover (as on the Samsung Focus) isn't really tearing open the phone, especially when other phones (except those from Apple) have had user-replaceable microSD cards in the same location for years. Samsung made a very poor design decision in this regard, especially if it was aware of this particular Windows 7 'feature'.
But for phones like the HTC 7 Mozart where you have to unscrew and disassemble the whole phone to replace the card, then, yes, I agree; it's 'user-serviceable' only for a very determined class of user who is knowingly violating the warranty and should know what they're in for.