Has anyone figured this out yet? I have a Droid Incredible and am having the exact same problem multiple times a day ..... after the disk I/O errors and force closes whenever I try to open most of my apps, the phone will do a hot restart and sometimes the process will continue until I reboot and then it may go away for a while but it always comes back.
It has happened on the last 4 or so ROMs I've used (at first I thought it was a ROM problem) ..... it's like the phone is unable to communicate with memory (I thought it was the internal memory, but it could very well be the SD card). I haven't tried to pull the card out and run a scandisk on it yet. Has anyone with the issue done that and seen if it was fixed?
EDIT: I ran a scandisk on my SD and no errors were found? Any other recommendations?