Im on #2 .. took to vzw last night because of the disapearing apps. Tried a factory system reset, said "Unmounting internal data" for an hour before they gave me a new one. And to the person who got theirs at costco and said that vzw would send a refurbed one, seems unlikely they would have many refurbed ones 10 days after launch...
I got past the "Unmounting internal data" problem on a reset by going into Task Manager and killing all apps. Then I reattempted the reset, and that message went away after about 30 seconds. Know it's too late since you replaced it, thought anyone else with that issue would benefit.