ezun and Guru, HTC told me, after my reset, to load programs, email accounts,etc, one by one over a period of days to see what/when the low memory warning would pop up and then call them back. Well after a month, it's been a long time coming. Maybe it will not happen again, who knows. If i have to reset my phone I will just use Google/POP combo too. And the one Exchange account I have. The funny thing that I never brought up before is that my wife has the Incredible, had to reset her phone one- two weeks before i did, and has not had any issues at all after her reset. She has four email accounts, all POP, same low setting three days download etc. and her HTC mail is never above 10MB. Of course she don't use email very much, just to check for one or two notes, when she feels like it.
So in a nut shell, one reset, no issues after setting the options to a "Low" setting. I am considering going to "Unlimited" setting to see if the phone will crash. The only thing that is keeping me from doing so, is re- building my bookmarks.
Great Phone, except for this mail issue and the battery could be better...
Reset + 37 days
Internal phone memory 6.6 total, 6.11 avail
Phone Memory 748 total, 701 no change
HTC mail 28.57 up from 26.86 yesterday (19.68 + 8.89 cache)