Yes, there is a cost. The 8320 does not come with GPS, so you would have to get a GPS receiver to connect to it via bluetooth. I use the puck here. It is great, cheap alternative to the more expensive stand-alone units. It is tiny and hangs on my keychain.
There are other pucks out there... Garmin and Telenav have a few too.
As far as software, you could try some free ones (Amaze comes to mind). I guess, the biggest question is what do you need it for? Driving? Geocaching? Hiking?