It would help if you said where you sail. The Garmins have either the Coastal US charts or the Inland US water charts built into many of their units, which makes them far more of a reasonable buy, since you don't have to buy charts to go with them.
I seriously doubt that your SD card of charts will work in either the Standard Horizon or Garmin units, as most chartplotter manufacturers are pretty good at limiting access to their charts, and don't generally like cross platform compatibility.
It might be wiser to go with what your total budget, for the chartplotter and charts is, rather than looking at the two purchases separately, since whatever chartplotter you buy is going to affect your ability to buy charts for it.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.