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I believe your SD Card is corrupt. Do some searches. You'll have to reformat it and reload. It's happening to a lot of folks with the Touch. It doesn't matter what brand or size card you have.

The more you write to it (for any reason) the more likely you'll corrupt it.

I would not blame any software you installed.

By the way SBP plus is completely customizable. You can make it's usage of home screen extremely small/simple (including nothing) or large/complex with multiple tabs. You can use large or small icons. Tabs or no tabs. etc.

However there is a bug with it that the phone app keeps popping up randomly.