if you found the .bash files to be a problem, try switching to the z-shell (zsh). It's a great shell and you won't even see a difference unless you want to - then you'll see that all of the differences are good.
I can't really imagine what would be happening in .bash_profile, etc., that could cause problems with the xauth files???? You're sure about that? Did you just install something? What progs have you installed? When I had that problem I had just installed clamav, the anti-virus prog. After that, I uninstalled it.