Your post stated no such thing. You had a reference to "I have no handicap settings turned on". So, there would be no way for me to intuit that you meant a setting in the Accessibility section under Settings.
Also, you did not reply whether reseting your Settings<Disolay & Brightnes>Display to "Standard".
Generic phrases like "all the settings have been reset".
So you can see why it is difficult to pinpoint the isssue. And as an "IT" guy, you would understnand the importance of terminology as well as in providing as many pieces of information as possible.
Regardless, If you feel you have exhausted the various Settings tests, then the next thing I would recommend would be for you to Back up your device to iCloud or iTunes:
Back up your iPhone, iPad, or iPod touch using iCloud or iTunes - Apple Support
Once you are sure you have a clean backup, erase your device using one of these methods:
How to erase your iOS device - Apple Support
Find My iPhone: Erase your device
iCloud: Erase your device
Once the device is erased, set it up as new - not from the backup - sign into your various services, and begin to use the device as clean as possible. Download only absolutely critical apps, then use the device as usual.
If the issue surfaces during this time, you should take the device to Apple to have it looked at. They will tell you what your options are. Don't forget to make a Genius appointment before going in.
If the issue does not show up, then erase the device again and then restore it from the backup you made. Work with it for a bit to see if the problem recurs,. If it doesn't YAY!
If the problem comes back, then that implies that your data is corrupted. You would need to erase again, sign into your services, and then manually download your purchased media.
Best of luck,
GB
