Ok, booted from the Vista x64 install disk. Chose System restore, picked the October 4 date restore point which was when I installed SP2. Window pooped up saying it was restoring. Left it running for well over an hour. Decided to hit Shut Down. A screen flashed saying there was not enough memory to run System Restore.
My BIOS still shows 6gb of RAM and am able to access my two hard drives ok from the desktop Computer icon.
Also, right click on the desktop, choose Personalize, get error message, "Windows Explorer has stopped working"