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you're not being a pain.
But sadly there is no simply way to bring everything back to the way it was. I mean you could use backup utilities such as Sprite backup or SPB Backup but I don't recommend it because will also backup your registry and when you reload the backup, it will reload the registry which will not be identical to the current stage of your phone thus possibly give you crashes.
About saving a file in Microsoft Word and that prompting you about formatting doesn't really ring a bell to me. I've had a PPC6700 and now a 6800 for a long time now and have never seen anything like that. I'll try to look around some more.
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