ok, here is some info for you to help understand things.
1. ntfs is fully supported for read. Write is supported, but they warn you about possible corruption of the ntfs file system. if you do write to it and then access it in windozw, it is recommended you do a chkdisk to be sure all is ok. fat32 is fully supported for read and write.
2. as you have realized, you need to mount these devices in order to use them. The mount command has many options to use, and can allow it to be fully accessed by the user.
3. For those of us who be lazy, there is a file called fstab int the /etc directory that holds all the mountpoints you define. if you are going to be using the usb device often, I would recommend putting a line in to automount it in the directory you want with the proper permissions for a user.
HINT: if you look in YAST, you can create this entry with a gui interface.
if you can;t figure it out with some readin, I'll give you some examples.....
I just totally trashed my new 9.3 install, so when I re-install it I can be more specific on where in yast it is.
I did write a how-to for an advanced suse 9.2 pro instal with multiple os's already on the pc, but it is on another site, so for the sake of etiquett I won;t post the link without permission. there is some good info in there for understanding bootmangers and setting up an fstab during the install.