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You don't need the CD
Easiest way to transfer photos is:
Buy a card reader and take card out of camera, put it in card reader and copy photos to a folder on your PC
Connect camera to computer with usb lead supplied and follow on screen instructions
You can use the camera without the installation CD. The CD may contain some useful photo editing program and help you download the photos from the camera to your computer using the USB cable.
If your photos are stored on the memory card, then removethe memory card from the camera and insert it into an USB memory card reader.Connect this USB memory card reader and memory card into the USB port of yourworking computer. Your computer will see this as an USB Mass Storage Device oran external storage device; you can then open the folder on the memory card andcopy the photos to your computer.Memory card reader is a handy device and is inexpensive. Youcan copy photos from other cameras and you can also download photos off yourmemory card to someone else's computer without the need of installing anyprograms.
Because the 50D is the newer model it is quite a bit more expensive than the 40D. However, the reviews don't find that the quality has improved very much. Unless the 50D has a feature you simply must have, the 40D is going to be a much better value.
Neither has video capabilities. If you want the best video capabilities as well as top-quality still photos, without spending tens or hundreds of thousands of dollars, take a look at the 5D Mark II. This camera has amazing video capabilities for the price (under $3k). Most camera stores have a long waiting list so if you want this model you will have to put your name on a list and wait at least a few weeks before you get your camera.