OK, looks like I should upgrade...what's the easiest way (and do I have to wipe everything again - hate to LOL).
I know I could go to BB, but I prefer using a stock fw if possible...
Download ROM manager from the market, go to download roms and then go to stock images and choose 2.2 froyo. It will ask to clear data and make backup, just make a backup, you dont have to clear data. If you dont want to buy ROM manager then you can follow these instructions: Download: Newer Motorola Droid Froyo Leak FRF57 | Droid Life: A Droid Community Blog
Got mine upgraded to the latest build. Muchas Gracias for the help!