is the current available update for Froyo the same update that Verizon is releasing today at 12:00 pm eastern ? why should people wait till noon if its the same? also, if i want to set phone back to original settings and redownload all my apps from the market, do i need to manually set up all my email account settings again? and are all of my pictures that i have taken saved to the my SD card? so i should remove that card when resetting phone and put back into phone when done or can i leave it in phone and they should be fine during reflashing ?