The "error" IS caused by desktop.ini. If deleting it out of the Startup folder doesn't help, perhaps one of the other programs that is starting up is creating the file every time. You might try disabling your startup programs one by one until you find the problem..
AZip,, lol,, reformat = recreate problem hahaha,, i like your humour lol
but,, the good thing about that is this,, when you reformat,,, (and dont run out of activations *heh heh* ) reboot each time you install an app until the prob shows up,, then you'll know,, long route but plausible,,
for me,, i will keep at the start up folder and follow the logic with PaRaDoX,,,
and just when i thought my PC was getting educated and all,,,