I just set up standard email on my new Droid 4, my email is POP3 from a local provider.
When composing a new email, the system doesn't populate the "to" field address unless it's my own email address, which really doesn't make much sense. It will when I reply to an email but doesn't work on a new one, even after sending several emails to an individual.
I also have a Gmail account on the phone, this seems to work as it should...so far so good.
The POP3 system is my main business email and trying to remember email addresses just isn't going to work. I just upgraded from a Samsung Stratosphere, on it the email worked just fine.
The only thing in Settings appears to be the "Display Suggested Addresses" which I have checked.