Hi, GregL,
Allow me to break in here.
I have just bought the FB9 Gold as well.
I can confirm, you just install the firmware from AtGames. Remember to rename the FW file before and to remove it from from the SD card after upgrade.
I am using a 4GB Transcend SDHC card, it works right out of the box. I think 12 or 16 GB is max. size supported, maybe that is your problem?
Not 100% sure, but I think OFW and CFW is Official Firmware and Custom Firmware.
Br,
Bjarne