Thank you VJ, however that didn't provide any help. There are no pointers at all within that post.
Please keep in mind that I don't believe this to be an Oracle issue. The Oracle client is functioning fine when I use the ODBC tools in windows to verify the connection.
I can google, "SQLNET.ALLOWED_LOGON_VERSION = 10" and get a billion links that say basically nothing too.
I believe this is the way ColdFusion is configured to use the Oracle drivers... Which is why I can't ask Oracle, they'd just tell me to go to Adobe!
But, I have searched Oracle Support, and there wasn't much there either, so I am turning to the community in hopes that someone has seen this and solved it.