After going through the Views module code, I couldn't find a _render hook that I would alter to cause the $rows to go back to an Array type. I did go through the modules/views/theme/views-view.tpl.php
So I replaced most of the code in my own template with the views-view.tpl.php code, as well as replacing the database with a previous version so I could start completely over. Turns out the issue was with my template file not outputting the exposed filters and such, as well as Views using
print $rows
instead of using $rows as an array. Seems like whatever version of Views I'm using uses the $rows variable as a String. So I've put in a %SPLIT% string in the Rewrite Results box so that I can do a PHP preg_split, feed that resulting array into my function to generate what I need, then do a preg_replace to get rid of the %SPLIT% strings in $rows. The result looked like what I had.
So, bottom line, looks like Unformatted Fields in Views now outputs $rows as a String variable instead of an array.