So... I'm guessing that you'd be happy to stay with the printer you now have (cheaper) ... IF you could get the blasted thing to work! ...Yes?
I do have one question, that came up while I was looking into this. There are actually two different HP 4280 AIO's:
Photosmart C4280 All-in-One Printer
Deskjet F4280 All-in-One Printer
Now the DJ F4280 hasn't had a driver update in over a year, but it has no Card Reader (Which you mentioned having trouble with.
The PS C4280 has a driver update that came out last month, and it also has a Card Reader. (Granted I've caught HP back dating drivers to make it look like they weren't slacking before...) It might be worth exploring the 6/2008 v11.0 driver's Basic (e.g. driver only) Driver Package.
Also, never "update" a USB printer driver (I don't care what the book says...
1. Strip out all instances of the printer driver (and any drivers for printers that no longer exist).
2. Uninstall all of the HP software in Control Panel->Programs & Features (Was Add/Remove prog)
3. Disconnect the printer (USB) and reboot the machine to be sure it's all gone.
4. then reinstall the (Driver Only) "Basic" Driver Package (and don't plug in the USB cable until the install says to).
Let me know how it goes.