Yes my credits_wallet.dat is encrypted. Come to think of it, I don't think I started having problems with these errors until after I encrypted my wallet.
My crystal ball says you will be able to replicate the problem once you encrypt the credits_wallet.dat
Yeah we can take this to PM's so peeps don't have to wade through all of this any longer
I have the same problem with a encrypted wallet file and mining simultaneously.
Tests are currently ongoing. Hopefully I will have a clearer picture within a few days.