Until you find your permanent MP3 solution, you should try the AudiaX FM transmitter. I just picked one up at MP3playerstore.com and am using it in the Xterra with an Iriver iFP-395T Mp3 player. It lets you use any frequency you want to tune to. I still have the stock stereo so sound quality is as good as you can get with stock. At least I have my own music and 512MB of songs to pick from. My next toy will be the XMRadio Roady!
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The world looks small from here!