Thanks for the response. Yeh, gone through many variations and it seems to come down to this phone just isn't as resilient to overclocking as some others. I have three droids, two oc no problem, this one just is one force close and reboot loop after another. If I don't overclock, it's fine. So....guess I'll go back to the store. Yeh, I was strategically leaving out my reason for exchange.
But I'm four days before the 30 days is up, so I'll try to get a new one and see how that does.