Keep in mind that the D3 is capable of 1080p video recording, and given the read/write speeds it is suggested you get a Class 10 microSD card. This may be why we don't get one with the phone. They are not $100+ but more than Verizon wants to spend.
Over in the accessory section I put up info about the Patriot 32GB microSD w/ SD Card adapter. New Egg is $88.99 and Amazon.com is $79.99 plus you get a $15 MIR with Amazon making theirs $64.99. That is pretty good pricing.