Checked out some Linux LiveCD.  What version would others suggest?  I opted for OpenSUSE (v 12.1).  
Ran a memtest overnight.  It had 4 full passes complete, no issues.  Question, is this a normal number of full tests for over 7 hours?  Does a full test really take nearly 2 hours?  I have 4 GB RAM and an Intel 2 Ghz Core 2 Duo.  Seems like it should have finished a few more than just 4 full tests.
Will check the HDDs later.