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You can't charge using this method if you want to switch the PDA on while it's charging, and I expect it'd take a lonnnnnnnnnng time to charge fully using the USB port due to the power the USB port can provide (see above in this thread).
So... the AC adaptor is for charging the battery quickly and allowing you to use the PDA at the same time the battery is charging....
Whether it'd be possible to make a USB cable that charged and could sync and work at the same time, I don't know - it may well be.
mark
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