Well, toshiba tech just left. All is well. It turned out to be some dust on the inside of the screen and mirror. All you need to do is take off the 10 or so screws holding on the front screen and wipe down screen/mirror. It solved the problem. I was suprised how much dust was in there. I actually had little dust bunnies!
Considering how anal I am about cleaning, and that I've only had the tv for 3 months, I was surprised. I'm going to clean it out myself and try sealing the gap between the bezel/tv with some tape to try and keep the dust out. The tech said the best way to clean was to blow out the dust with a can of compressed air, then after everything settles, to wipe down with a lightly damp cloth. I'll give that a try. He also mentioned that dust in the light shows up as baseball shaped blothches, which look a bit washed out on certain colors, as opposed to dark spots.