Various tips in [this thread on WPCentral]( eventually got me set.

I'm not sure if all of these steps are required or not, but they were for me:

 - Turn off **find my phone**
 - Force a backup to the cloud in **settings > backup > app list+settings**
 - Delete all your phones on It will warn you that your phone will no longer be able to connect to your account, ever, unless you factory reset it.
 - Factory reset phone. I imported my settings from the cloud and waited.
 - Once it was up and running, I turned **find my phone** back on (or checked that box—sorry I forgot!).

My settings look normal now (though I can't remember if the on/off switch should be there):
![settings > system][1]![settings > system > find my phone][2]