Good to know. If it happens again to me, I'll try taking out the SD card.
Good point, but the thing is, if the problem is being caused by something that we're doing, such as disabling certain apps in my case, exchanging the phone isn't going to do much good if you just turn around and do the same things again. That was what the technician pointed out to me. It might also explain why it sounds like some people on here have exchanged the phone more than once with the same problem. I'm not saying that it definitely is user error, but I would rule that out for sure by tinkering with the software first before you get an exchange, just to try to avoid an endless headache.
From what I've gathered, it sounds like this problem is kind of a rarity since Samsung hasn't ackowledged it yet, and they did acknowledge the camera bug, so it's not like they don't admit to their product flaws. Although it is kind of messed up if they're telling you that they can't fix a problem if it's "too new." What's up with that?
Anyway, I re-enabled all of the system apps, and the phone ran for a few days, and the problem did not come back. Now, I've disabled a bunch of apps again, but I left all of the Google apps enabled (Google Games, Music, etc), cleared the cache and the problem has not come back. I think that might have been what was wrong with mine. I'd suggest others try the same if they've disabled apps.