I finally got fed up and needed the phone to work so I did the hard reset, which is all that AT&T could come up with. Worked and took only a few hours to rebuild everything on the phone. I did notice that some of the apps that I was using were no longer available, and wonder if these had contributed to the issue. I do have a stable, apparently, 2,2 update running now and it rings.
BTW, I did try battery pull, reboots, and uninstalling Ringo. None of that made any difference.
Another interesting note, the phone was getting worse. It had been playing music and other sounds, then that also began to fail. Sounds like something got corrupted when I did the original software update if I was to venture a guess.