Wow, lots of quick replies, good stuff
I haven't really messed around with new roms and such yet but I am using the stock rom and radio... Surprisingly, after checking, stock for me is 2.14 with 1.4 radio. I'm glad to hear that I'm not the only one cursed with this problem though.
Someone mentioned to limit roaming... Here's the problem with that: where I live, is roaming.

my plan that my parents pay for is based in another city, while I'm in a city an hour away for college. So limiting that might be a problem :/ I'm a little scared to try a hard reset though, it sounds really complicated. And just for the record, does a hard reset reset ones registry as well?
Edit: On another note, where can I get the latest Alltel rom (If hypothetically, I do want to try my hands at this)?
Edit2: And, while I'm thinking about it, since HTC is sending me a new phone, if I try a hard reset is it possible to undo all of my changes so that if it doesn't fix the problem I can still send it to HTC, just in case that conflicts with some warranty thing or something?