a huge thank you to Apokalipse, his method worked like a charm...
if you have an nForce chipset , then all you have to do is what he listed earlier...
and yes, being hot-swappable is one thing... yanking out a drive while its active (even if you dont notice it is) is another, itll straight up mess your files... so i do try to always use the "safely remove hardware" option... and plus i dont plan on removing my internal hard drive and CD burner anytime soon, so i was sick of seeing them when i tried to eject a flashdrive... but the problem is fixed, so.... yay... thanks again - RK