I knew better and did it anyway…. shame on me. BUT, STILL!
A couple of days before a business trip, I installed Build .1004 (already had the FW 1078.38.16025.39005). As soon as I got off the plane and turned on the phone my well planned trip went to hell. Mostly due to the new build having a problem reading from the SD Card, the 950XL said it needed to Scanned to correct some error. I did (about 10 times, for I have seen this scan message on previous builds), and it came back with “SD card scan failed, the SD card has unrecoverable errors. Please use a different one”. So, suck at the airport for 3 hours trying to fix the problem (trying EVERYTHING), finally gave up and hired a TAXI to take me to my Hotel, which cost me 3x the amount it should have (planned on using a Service, via an app). After arriving at the Hotel, I called MS Mobile support, and the first guy’s answer was that I should call the SD manufacturer to get a replacement…well, to make a very LONG and unpleasant conversation short… I hung up on that deadend. Called back to get someone that actually wanted to fix the problem, and we figured out that I needed to have my Apps saved to “the DEVICE” (I had them saved to the SD card), she admitted that they had indeed experienced some occurrences where if the apps were stored on the SD card, it caused this “SD failed” message. After relocating the apps, I did a soft-reset, another scan when prompted (the scan yielded no error message), and had only manageable lack-of-performance from then on, but all-in-all I consider it a MAJOR fail for this phone to perform as a business tool (at this time). Lucky for me that one of the factories I was meeting with was staying at the same hotel as me, so I was able to stick to a demanding time schedule (and do a little business at the same time – the old clique “lemonade out of lemons”).
I hope my nightmare helps someone experiencing this same problem. (Note: I still have very high hopes for my 950XL, and the direction).