Greg H,
"Yeah people try to be helpful to a fault,swearing that this or that made it work when the reality is that it was none of the above."
I think you've crossed a fine line here between attacking the problem and attacking people attempting to help. The work-arounds that "worked" for them, perhaps won't work for you.
This issue has been ongoing for months...without any word/acknowledgment from Apple, however, it was entirely predictable given the increased memory size and consumption of that memory by users of the devices.
Nobody has claimed that their issue has been completely resolved by any of these methods - permanently. For example, the deleting of the old backup file is a work-around designed to bootstrap the back up process by iTunes from scratch. It works - at least once - and then a few weeks later the same backup issue returns. All the original poster of this method and other's who have used it have said is that it works to at least get you ONE good backup. Which, is good enough to at least let you migrate to a new phone.
If you really want to pursue this, open a ticket under Apple Care directly with Apple and keep pushing on them.