As above, you shouldn't need it.
However, to make a bootable SD is something like that, yeah, though the script bits depend on the Linux distro you run it on. ("mke2fs" versus "mkfs.ext2" that sort of thing.)
In general, I imagine people will float around a SD-image (like an .iso), and just write that to an SD when you're in a pinch
But yeah, essentially you make either 1 SD with two partitions on it (fat for boot, ext2/3fs for OS image), or 2 SDs (1 for boot, the other for OS image), or other arrangements (SD boot, image on NAND, etc.) It really is only a couple steps to do on Linux or BSD, and a bit more effort on Windows.
But not generally needed except for techhies
jeff