Thanks for the welcome. This forum has been wonderful to me getting my phone to the way Bell should have made it in the first place
I'm transferring the files directly though the phone connect to the computer (and thus the phone is acting as the card reader), but really the way of transferring shouldn't matter. No matter how the Mac transfers files to the phone, it always creates the extra dot files in order to store extra information that the underlying file system cannot store (fat or fat32 in this case). Most OS's just hide these files, since they are marked as hidden. For some reason my upgraded touch no longer hides these files. I'd imagine it is just a registry setting or something, but I cannot find it.
Show all files option in file explorer is unchecked, too bad it isn't just that easy.