to help u w/ a few questions. if u have an official sony hdd and it already has FFXI then ur fine, it wont format. the formating is used to convert regular hdd to the playstation file system. so ur drive is already IN that format so no erasing will be done. FFXI will NOT complain about any of this 'illegal' jargen. for ur final question, NO u cannot load a program that will do this (w/ out the help of a modchip) the HDloader is what is used to access the harddrive. there are free versions of HDloader available (around the internet) but require a swap trick (3 cd's are required for this, swap magic, cd loader, and a "free" hdloader) so u might as well stick with the retail version as u will only need to load that cd. having a modchip installed, like a dms 4 pro or the dms ezi pro (dms3.com), which has a hdloader app built-in would require NO disc at all. it also gives the ability to boot apps from the hdd. u wouldnt need to install hdloader because its already built in, but u can install media players, emulators, etc.... also, to clarify things HDloader was released first, and clones such as HDAdvance, are EXACT copies of hdloader w/ minor changes in terms of colors displayed and such. hope all that helped.
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