(This message was about me asking for a fix... but now that I've fixed it myself, I'll just edit this message, and not post a new one..)
I've just fixed the configrc.exe bug!!
You'll need Windows XP to do this.

Sorry if you don't use XP.. (I use SP1, so I'm not sure about SP2.)
1. Go to the Toontown folder. (Default is C:\Program Files\Disney\Disney Online\Toontown )
2. Right Click on toontown.exe, click Properties, and then click the "Compatibility" tab.
3. Go down to "Compatibility Mode", and if it isn't checked, check it, and select "Windows NT 4.0 (Service Pack 5)" and click ok.
4. Go back to the toontown folder, and find the file, "Configrc.exe". Rightclick, click Properties, and then the "Compatibility" tab again.
5. Go to "Compatibility Mode" again, and check it, then select "Windows NT 4.0 (Service Pack 5)" and click ok.
Then just start toontown like normal. It should work! I'm not sure if this messes up test or not. Also, I'm not sure if you could leave toontown.exe on Windows 98/ME compatibility mode, and set configrc.exe to 98/Me as well, and it will work.. I might try tomorrow. I'm just happy I fixed it at all!
Let me know if this fixes it for anyone else..