Just to clear the air a bit, in the cases I have heard about the R/C TX was turned off when in close proximity to the cell phone. Assuming for a moment that the phone did cause the problem, one would then have to surmise that the means of the problem was the RF energy off the phone doing something at the chip level of the TX programming. Like zeroing out memory that isn't being sustained by a signal or something like that. I am told such things can and do happen in other devices. And one example can be simulated by simply driving under power lines with the car radio on an AM station. Granted, it doesn't change settings but, it does demonstrate what interference can do. As for RF, check out how a microwave oven cooks! IMO it's impossible for anyone to even suggest it can't possibly happen!
Chuck