Using webupdater I downloaded and reinstalled 4.5. Headset and phone can now connect, unfortunately not at the same time. Which sucks, I wish I could use ad2p for the media player and headset for the phone. i guess that's ok I don't get many phone calls anyway, and my bluetooth headset sounds better than the Garmin speaker.

Actually, I'm going to attempt to connect my phone to the headset, and then the headset to the Garmin and see if that has any effect.... I know that when I connect my headset to the computer i have to connect to my phone first or it doesn't hook up with the right services.