After a couple of hours, troubleshooting and trying different ways, I have narrowed it down to a few answers.
This is for those Droid X owners that when they try to see their gallery, when they get to the bottom of the page, the gallery just goes "Up one folder".
I've taken everything off my card, and reformatted it. Then slowly put things back on it, each time trying the gallery. I decided to do the pictures last.
After adding some pictures, and videos, the gallery seem to work fine. Added 100 photos, works fine. 200, still good. 300, no problem. 400, oops it went back.
So it was either there was a faulty photo in the last 100 that I added, or theres a max thumbnail/ or max collective images size, when you look at your gallery.
Long story short, mine had no problems at 392 photos, and went back when I had 393 photos. It didn't matter what the photo was because I tried different ones for the 393.
Lastly, it might not be the number of photos but the collective size of all of them being shown as thumbnails all as one, so thats why I need you guys to try it out. Let me know what happens, and finally figure out what the limitations is to our Droid Xs.