To use GPS your phone transfers data back and forth from a satellite so wont work without it. And to keep a bunch of maps on your sd card would take a large amount of storage space. So there is no such app that would do what you are wanting. T-Mobile has the unlimited data plan tor only $20 a month now.
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Found one called CoPilot. It seems like it would work very well...I paid like $5 for it in the marketplace. Now if only Samsung would fix the GPS issues with these phones. After downloading I found out that the GPS on my phone doesn't pick up satellite signals (I tested it using a number of different apps, all with the same problem). I called Samsung and they gave me a UPS shipping label to send it out for repair; dropped it off this morning and I'm stuck using my old Sony-Ericcson Equinox in the meantime.