don't hate it :)
I just stumbled upon your posted and yes, I do have the same problem. Sounds as though your problem with curl formation has to do with separating the curls (at least that's how it is for me). My top layer does not have the same formation and is prone to frizz, while i barely have to do anything with the layer below. I noticed that, if I apply extra condish to my top layer it works well. Also, it helps me to use a Denman brush to separate the top curls. I scrunch those separately and make sure they do not stick to the other layer.
Maybe that helps?