So, with no warning at all, my phone failed to turn on this morning. I reset it and it said a new software is loading do you wish to accept? I answered no and it rebooted and then said Loading... for several minutes. When it finally was done, it came up with a totally new look with a message to pull a ring. So I did and my original screens began to load. The first thing I did was test my apps that are installed on my SD card and they all ran fine. Checked other stuff like widgits and file access, hotspot, etc and everything ran OK. Also tested my Sprite backup and restore and all is well too but I did delete the older files on the SD card and created a new one. I normally have Sprite save the last 3 days and one manual that is known good.
So far it appears this new version 4.0 didn't break anything I do. I guess that report that this new version doesn't permit SD card app installs is false. Mine is working normal. Only real difference is how I navigate the system which I'll need to get used to.
Happy, I won't need to go to Verizon and raise a fuss or make them give me a new phone.