Nokia :: All Touchscreen Phones (S60v5) Boot Freeze

My 5230 has had the startup freeze problem twice. The first time, I figured it was a problem with the memory card or a specific program, so I did a phone reset and started over. The second time, I did some Googling and found I was not alone. I found people with all the S60v5 phones (5800, 5530, 5230, X6, N97, N97 Mini, etc) have the same problem: the phone will refuse to boot. It will freeze on the Nokia logo, before the handshake. Most users can work around the problem temporarily by ejecting the memory card before booting, but X6 users don't have that option, the poor souls.

It makes me mad to see the problem "solved" on forums by people reformatting their memory cards as if the problem was card corruption. That's not the problem. The problem, or problems, really, seem to be Nokia's.

The problem can definitely be triggered by:
-Setting Nokia Messaging to store SMS/email data on the memory card.
-Having more than about 40 apps/widgets on your memory card (exact limit unknown)

The problem has also been reported to be the result of:
-Having apps on the memory card run at startup (Fring, etc)
-Having shortcuts to apps on the memory card on the home screen

I have seen suggestions like, "just install everything onto the internal memory," but that is of course unrealistic, because if you have 40 apps on the card, there's no way they'd all fit on the internal memory. By the time I have my phone configured to my satisfaction, and I've carefully installed EVERYTHING to the memory card, I usually have only 10-15MB free on the internal memory.

The most realistic compromise, perhaps, is to do your best to:
-remove apps you don't use
-install small apps to the internal memory, large apps to the card
-install home screen shortcut apps to the phone memory
-install apps that startup on boot to the phone memory (Fring, Google Voice Search, etc)

Ultimately, this is too much of a burden for users, though, and Nokia really needs to fix this ASAP! Especially as the Ovi Store takes off and more people install more apps. I for one hope the problem becomes even more widespread, just so it embarrasses Nokia into doing something.

I hope this post helps someone, and hopefully it ties together the various pieces of information I've seen elsewhere, including other posts in this forum.

Any more specific tips would be helpful, such as:
-how to tell which programs run at startup (in case they are not obvious like Fring)
-a list of such known programs, besides Fring and Google Voice Search