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So, do I have this straight?
1. The BT-Q818 will work with either the S&T maps/software or the Mobile PC maps/software.
2. The Garmin GPS 10x will also work with either the S&T maps/software or the Mobile PC maps/software.
I have a GPS10x and Streets&Trips and Mobile PC. I also have a non-Garmin bluetooth receiver similar to the BT-Q818.
1. The BT-Q818 will work with microsoft Streets&Trips. It will work with the
software-only version of Mobile PC.
2. The Garmin GPS10x works great with Microsoft Streets&Trips. If you decide you want the GPS10x and there is any chance you will want to use it with Mobile PC, buy the version of Mobile PC that comes with the GPS10x bundled together.
The approach I would take would be to wait on the decision of what GPS receiver to buy and download the free trial version of Streets&Trips to see if it does what you want. If so, you can buy the BT-Q818 and Streets&Trips and you're in business.
If you don't like Streets&Trips and want something that works more like your Nuvi but on a nice big screen, then you can buy the version of Mobile PC that comes with the GPS10x. Terry has listed some advantages to that approach.
If you will never care about adding Garmin's City Navigator maps for Mexico or Europe to Mobile PC, you can buy the BT-Q818 and the software-only version of Mobile PC and save yourself a little money.
...ken...