From the camera kit description You cannot download onto a SD card, but with the kit you can download at a photo kiosk like at Wal-Mart.
If you upload photos via the camera connection kit you can then upload them from the iPad into iPhoto on a Mac. iPhoto just treats it like a camera. Did it tonight. Works great. Steve
You can use iWork the same, many people don't realize iWork is free.... So far anyway. I use iWorks to upload/download my Pages and Numbers files. iWork is at www.iWork.com