I see. I think it's funny that the cheapest player has the fastest loading myself... the Muvos outstrip the iRivers by quite a margin. I've got rid of all my flash iRivers recently (799. 895, n10) and am waiting for the iAudio 5 which is supposed to be able to match the Creatives in terms of loading speed. The new T20 from iRiver tempted me for a while, but without definitive confirmation of loading speed and the lack of annyoing little bugs which become big ones (which is pretty common in iRivers), I was more inclined to take a chance on the iAudio. Apparently it's not without a few oddities itself but is reckoned to be the best in this category.
The Sony's have glacial loading times in comparison with all of these and looks nice, however I hardly ever used mine much (both the 405 and the 507) because it wasn't as functional as the Creatives or the iRivers... with a display I couldn't see in daylight, and the need for Sonicstage to transfer music. The Sonys were also given the heave-ho recently (my dream at this moment is to have only two or three flash players that I find genuinely usable...!). But if you are set on it as I said the Creative Zen Micro charger will work.