Check this page for information on naming maps so they don't overwrite each other:
http://garmincolorado.wikispaces.com/Maps#toc14(and read the topics following #14, too)
I have a Colorado, so you'll want to confirm this information is valid for the HCX, too.
I have free maps on my Colorado, but the Garmin won't navigate with them; the authors have said their free maps are not accurate enough for navigation. I'm fine with that as I use them locally for geocaching, so they're close enough for fun. Check your free maps out, though, before you plan on using them when you need them to be accurate.
On the Colorado, I don't need a 'proper' card: I use any of the SDs I have from my cameras. I drag the map file over to the card using a card reader attached to my Mac. Then name the file corrrectly (see above), put the card on the Colo and it shows me the map I loaded.
I'm happy, too, to see Garmin finally supporting my Mac. You should be able to find Web sites devoted to the HCX that will give you specific information on how to load maps independently of the Garmin software.
Good luck and have fun.