You're not reading all of my information. I appreciate the help but there is just something off with this logic. I'm also NOT holding the SD card when I power off and power back on but I can do that every day, all week long. Also, I'm willing to bet it doesn't load my entire SD card into RAM (lol) but it seems to know I have games installed and runs them just fine. Again, appreciate the help but you're not reading all of my information and running on assumptions.
Edit: I apologize if my replies are coming off "snobby" or like a know-it-all. That's not my intention. I really do appreciate the help but I'd really hate to tear down my 3DS and replace the SD slot if this could potentially be software related. I guess my question is more "has anyone else experienced this." I realize it could be hardware and I might have to replace my SD slot, which is fine. So, if you really think it's hardware related, even with all my information, I apologize and I'm definitely going to look into it. Thanks again for your help and sorry.