According to AppleInsider, the problem with third party apps crashing the iPhone is "a known iPhone bug that is being fixed in the next software update in September".
Let's hope thats true. Although I have no intention of giving back my iPhone, i recently had to do a complete restore from scratch for the second time. The good news: once you have done it once, its about a two hour, autopilot procedure to reboot everything from scratch (assuming you have mobileme).
