okay so thanks to iowa, i now have my phone back to 2.2 stock just how i wanted. for those of you thinking you have some problem with your phone, it may just be the microsd card. I thought my problem was more serious....why the phone wouldnt detect the zip file...but it was just the microsd card itself.
1: I first powered down my phone and took out the sd card.
2: Then I used a microsd to regular sd adapter and put it in my pc's sd slot.
3: I then did a quick format with fat32 as the file system
4: Then just to be sure, I did a full format on the card (uncheck quick format)
5: Download the file in this thread at the beginning and make sure it actually finishes downloading and isn't corrupt (this can happen in the Chrome browser and you may not even know it).
6: Make sure the file says "PB31IMG" and is actually a zip file. Do not unzip it, just copy it as you downloaded it and paste it onto the blank microsd card that should still be in the pc.
7: Safely remove the sd card from your pc making sure everything was finished copying
8: Put the microsd card back into your TURNED OFF phone.
9: Hold volume down and power button at the same time until it boots into the hboot screen.
10: It will have a little green message saying it is checking the zip file if you did this correctly.
11: Wait for it to load the entire thing, then press the volume button up to continue with the update when it asks you to.
12: It will go through the green messages again probably and eventually you will see it updating different parts of the phone like radio, system, etc.
13: Finally, it will ask to reboot, say yes and enjoy your 2.2 stock phone.
This is all done from memory, but it should be almost 100% accurate. Peace.