I have been having problems with my DINC since the software upgrade this summer. I thought I had it fixed by September, but I was wrong. The phone would freeze up and I had to pull the battery to get it to restart. The phone also decided to do its own factory reset twice during this period, which led to me reinstalling apps.
I suspected the problem was the interaction between the software upgrade and the SD card, so after doing some reading of online forums, I did the following:
1. Moved what I could from the SD card to the phone's main memory.
2. Pulled the SD card.
3. Did my own factory reset.
4. Left my SD card in a drawer in my desk.
Since I did that a month ago, I have had no problems at all. None. No freeze ups, factory resets, etc. The phone seems to be working faster, too.
So, I am going to continue indefinitely with my Incredible with no SD card.
Does anyone know why this solution works?