UPDATE The RC 33 update seems to have taken care of the problem for me. I'm glad I didn't have to reinstall everything.
I have read through this thread and will add my issue and circumstance to see which of the solutions may be good to try.
The phone reads the SD card for all programs. The phone takes 1 picture and saves it on the SD card, then it won't take a second instead putting the "please insert an SD card before using the camera" message. If I reboot the phone or eject and reinsert the SD card, it takes one more picture... then the error message again.
Like everyone, I would prefer not to have to reload all my applications or take everything off and put it back on my SD card if I can avoid it. If I do have to do one of these things, I'd be interested in knowing which of these may have the best likelihood of success.
Should I just wait until the RC 33 Update and see if that will help?
Since it reads the SD card for all other uses, will reformatting the SD card help?
Will returning my phone to factory settings and reinstalling everything help?