Sorry, I never stored PC compatible data on the SD. I used a direct time->address conversion fo rstorigng the data, so i could put 1 year of measurements on an 1GB card without any overhead (only 512 bytes ram required for buffering the next segment to write).

The card was to be read in our access poitn which used the same firmware (except for the low level SPI access) and forwards the data upon request through a TCP connection.

If oyu want to be PC compatible on the MSP, you'll need an file system driver. Some of those exist. These drivers usually need you to provide a 'read segment' and 'write segment' function for the card access and require quite some memory for buffering (I think, 1-2k ram are minimum).
With such a file system driver, you will then have fopen/fwrite etc. available for your program.

On the other hand, i don't know abouthow to read raw data on the PC. I remember some programs to read low-level sectors on HDs (e.g. WinHex). But I'm not sure whether you can access an SD card at all if it doesn't have a proper formatting. Well, if your card reader has a drive letter even without a card inserted, you might be lucky.