I don't blame you for wanting to avoid an FDR if you can help it. It might come to that, but let's check a couple more things. Just move down the list, if one thing doesn't fix it, try the next. I'm just brainstorming here with things I'd try myself and hope it worked.
- Yes, you must be able to sign into Google Talk to download apps on Play. Make sure your device is signed into Google Talk by following these steps:
- Go to your phone’s app launcher, and press the Talk app.
- If you’re already signed into Talk, press Menu, and then touch Sign out.
- Launch Talk again to sign in.
- If you can't sign in, or downloads on Play are stuck at "starting download" go here to troubleshoot.
- Go into Settings>Data Usage make sure Set mobile data limit is not checked.
- Go to Settings >data usage> Google play>View apps setting >Content filtering>Allow Apps rated for and make sure they're all checked.
- Go to Settings>Apps>All and select Google play store. Uninstall updates. Then start Google Play Store go to Menu>My Apps and accept updates.
- Go to Settings>Accounts and sync>select your google acct>Menu>remove account. Reboot and add the account back in
If none of this works, I would have no other advice but
an FDR. When doing the FDR you should get a question about if you want to wipe the internal memory and also the external card. Also beware that the phone has two SD card directories: sdcard (internal memory) and sdcard-ext (your SD card). Some folks remove the external before doing a FDR to be sure nothing happens to it. I didn't and mine was okay, but you will want to be aware of this. If you have files installed and configured I'd make a back up on your pc of both directories as it may safe you some grief later on.