I have a 2003 not the 2004 - but here is my opinion. From what I have seen, it is much better to get the CD-Changer and purchase an aftermarket NAV system (I have a Pioneer). Other H2 Source members (including me) are placing the aftermarket NAV monitor in very creative and functionable locations (according to how you work it and drive with it). If you get the 2004 dash mounted NAV you lose the CD capability and accept the location and function of this sub-part approach to a NAV system on the 2004 H2.
Just my opinion
"It's what you learn, after you know it all, that counts - John Wooden