A good rule of thumb is this: anything that replaces one of the built-in apps, uses alarms, or runs in the background needs to be in RAM. Everything else can go on the SD card.
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Jeff Velten
Sprint Treo 755P My apps: 2Dial-4cast-Blue Nomad Security Suite-Datebk6-Diddlebug-Docs To Go-eReader-FieldPlus-FileZ-Google Maps-HandZipper-Hi-Launcher-KeyCaps 600-magicButton-mLights-MobileClock-mRing-Power Hero-PowerRun-pTunes-Quick News-Shortcut5-Snapper-SplashPhoto-TakePhone-TCPMP-TryDA-Unit2Unit |