For reference I am using the FREE VS 2010 C++ express to build this and it's working fine now without any corruption.
My only guess is that it might be a bug in how the stream was being output to the disk file. As most of the files were corrupt when written to disk using the VS 2008 build. Didn't show up unless it needed to reload it from disk. I am using Windows 7 32-bit OS, so it might also be dependent on the OS as to whether it happens too.
If you need any files from me let me know? I can reproduce it with the 20110731 build as well from celeron55.
One good thing did come out of this, I learned how the serialization stuff works now in the code... :)