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You don't NEED to have the PSP charger, but it's much more convenient.
For one, you don't have to care about the state of charge of the 505. IIRC, if the 505 goes completely dead, you can have trouble charging from USB.
Second, mini-USB cables are no longer as common as they used to be. And even if you have one, as JSWolf notes, it may not work. In the early days of charging via micro USB, many devices needed to be plugged into either a computer, or their proper charger in order to work, depending on implementation. Often generic cables and generic chargers didn't work (I think the Motorola RAZR phone was like this too, now that I think about it).
Third, every time you unmount and then unplug the USB from the computer, the 505 will re-scan it's library and or repage your book etc. and it takes a looooonnnnggggg uninterruptible time.
I was very happy that I bought the PSP charger.
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