I would like to clarify a few things that have come to my attention.
Yes gparted worked, yes I had to install dosfstools first (which I had luckily already done by the time I got the hard drive), and yes you could do it in terminal too (the address for a usb device is /dev/sda as it turns out).
My mistake the first time trying with the hard drive is that I had gparted open before I plugged it in.
It now works perfectly between both windows and the pandora.
As it turns out it's actually quite easy to format an sd card with either dosfstools fdisk or gparted (except when trying to format it to ext3). The reason I thought otherwise is because it would always give me trouble when I wrote things to it which i did with varying degrees of success. I fond out that my sd cards read only switch was physically broken and when I tried to physically fix it the entire card fell apart from what I am going to say was cheap plastic casing. 120 dollars down the drain. sucks hardcore balls.
I still dont know what the error was that kept occuring when I tried to interface my sd card with a windows pc but my next sd cards will be exclusively pandora (thanks to the added functionality of my new hard drive).
Thank you guys for your help.
EDIT: wizardstan is right, dosfstools IS there out of the box. what I meant to say is that you need to UPDATE dosfstools in terminal using neartoas instructions found here:
http://boards.openpa...-first-on-this/
Now, neartao put complete instructions on how to partition and format to fat32 with dosfstools but instructions on how to do ext2 and presumably more can be found here:
Setting up an Ext2 filesystem
note that you have to change /dev/sda to /dev/mmcblk0 or /dev/mmcblk1 depending on which sd card you want to format. mmcblk0 is the card you inserted first, mmcblk1 is the one you inserted second.
when doing the final step you use /dev/mmcblk0p1 or mmcblk1p1 to select what partition to format.
I assume all of these rules apply when formatting a hard drive but ike I said earlier, its actually pretty painless to do in gparted. Except with ext3. Doesnt quite work yet for whatever reason. Also, I can't vouch for ext2 on a hard drive since I havent tried it but from what I understand ext2 isnt a good choice if you are going between systems like I am.