hmmm, solved, but not perfect
so no, soft-resetting did nothing for me. but i used regedit and searched for T9.
i found the reg entries for HTC's bottom name predictor (eT9) and there was one referring to install directory i simply changed it from "/Windows" to "/" and now the program cannot load it. and now there is no more freezing and only one predictor the microsoft white box name prediction.
this is good, great in fact- however, it could be better
the HTC eT9 predictor is better because it takes one keypress instead of two, not a big deal, but if anyone has alot of spare time on there hands- finding a way to disable xT9 instead of eT9 would be much appreciated.