I narrowed mine down to mu TiBU.
Whenever I restored my apps and data, I lost service. So what I ended up doing was another factory reset to Clear all my apps and data. Then when I went to restore, I only restored the important stuff. Such as Angry birds (all 3 stars on every friggen level..LOL) and Vignette that has over 200 pictures on it. I could have transferred them all to my computer, but I didnt. I did that once before, and not one of my videos would play on the computer. I never checked before I cleared my sd card and lost all the vids of my baby boy. Sad day.
Since doing all that, my phone has been amazing...... loving it... still wish I had the Red River Theme and Apex ROM that my X had.... but patience is a virtue!!
But to answer the question of the OTA update, no. I never downloaded it. When I factory reset and checked, I didnt have any updates. Then I checked Root Expl. and there wasnt any updates in there eiter. I dont know what it was.... but I decided it was not that that was screwing up my phone.