Derek, I am having the same problem, and your solution almost worked. I was able to use three fingers to get to the place where it showed that voiceover is enabled. Thought my problems were over, but when I tried to turn voiceover off, the screen went blank -- and that is where I am now. Rebooting the phone does nothing. Even though the screen is blank, the voiceover is still talking when I touch the screen.
I was going to "Restore" through iTunes, but the warning came up that all the apps I bought will be deleted and I would have to repurchase them. Not gonna do that!