I bought my H4 several weeks ago and it did include the microSD card holder attached to the PCB. However, the case did not have a slot cut in it for access. I'll do that myself if I decide to use it.
I don't know anything about the crystal but I don't think it is needed unless you want to have accurate date/time stamps on the files being saved.
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*Don - W3DRM*
W7DRM - Don