pullups- ..if the software sets them up then ok.. what if not?? I do not know, what I am suggesting to you is to think on all possible variants or potential issues, before you order new boards.. simply do use the board as-is, try various applications and you may see what is missing..
The new sdfat supporting more than one card will be not ready within 2 weeks so you do not need to have two cards there yet..P.