I am so sorry I haven't had problem 1 with my Dinc. I got the OTA a month ago and the little update just now. Yes, my apps came up missing, at least there were only the generic icons on the screen. A simple unmount and remount of the SD card brought everything back.
good luck ...
I went with the nuclear option. Now jumping through all the hoops of a new phone. Call to activate, update, entering WiFi passwords, logging in to emails, . . . . . . . .