I believe there is a factory rest option in the menu system somewhere, but I could be mistaken.
We only need a class 6 SDHC card for our camera, anything above that is merely excess.
The other card I was using and having trouble with was a class 6, and why I didn't buy a new card w/the camera. That card could just be faulty.
I believe there is a reset option as when I first bought the camera I when line by line just to get familiar with the interface. I will look and if I can find it reset it and report back if that fixes the issue. As mentioned, I seem to be able to get away with a 100+ pics (4 weeks, without special events) so it maybe awhile before it either happens again, or I report back this resolved the issue.