I am having the exact same problems.
I have a "like new replacement" phone, because the first attempt at 2.2 bricked my Droid. The replacement phone was 2.1 up until about 3 weeks ago. After I got 2.2, it seemed to be okay for about the first 24 hours, then i noticed the lag, and an annoying tendency for it to take forever to make a call. When I try to call a contact by tapping their name in my list, the list disappears, and then it is at least 30 seconds before the phone decides to dial. After the call, the phone will occasionally freeze on the call screen, with the "Add Call", "End", and "Dialpad" icons at the bottom of the screen. If that happens, I have to do a battery pull. In one very strange occurrence, I went to dial the girlfriend's phone, because she forgot where she set it... So, I call up her name from the contacts list, press it, and.....nothing. The phone freezes up briefly, then goes to the home screen...then a couple of hours later (at about 2am) her phone rings, loudly, and it turns out, that my Droid was calling her phone. Now mind you it sat on my nightstand, with nothing else around it. It took the phone more than two hours to process the call I had tried to make earlier. I have done six battery pulls in the last 3 days.
I am not running a task killer. I have about 100 apps on my phone, and I don't think there is any "rogue" app running. Regarding apps, there are quite a few "crap apps" in the market, but that's another subject for another thread...
I am seriously thinking of going with Cricket, and their BlackBerry 8530, the plan is 60.00 a month, so I figure it might be worth it. I need a phone that works, not one that has decided to be unreliable all of the sudden. I thought the Droid was great....until now... It is a bigger headache than it is worth.
Any ideas? I haven't gone to Verizon, because I am not sure about what can be done.