Pseudo, I would argue this is your exact problem. I understand how a new protein can be created by simply changing an A to G or something along those lines. That doesn't create additional genetic material, it simply alters exiting genetic material. You mentioned viruses as a way of adding material, and while this is true in that it injects its own DNA into your DNA, it doesn't do it uniformly across all cells (i.e. the reproductive cells aren't going to get genetic data from the flu virus), and it most certainly is not beneficial to you. In your last statement, you alude to another major problem. DNA is copied using a chemical manufacturing process and a number of proteins (DNA polymerase being the big one,but not the only one). It has built in error checking (kind of odd that this would evolve), and is a process that requires a number of other proteins. RNA production is very similar (except with different enzymes) and is used to build the very proteins that these cells depend on. The problem lies in the fact that in order for life to work, your genetic matieral has to have a copy of these exact same proteins, while at the same time having working copies that can be made without the luxury of having a cellular factory to make them. These aren't simple proteins that can just form. They have to be manufactured in a controlled process, much like product is made in today's manufacturing environments. It's really easy to make broad generalizing claims that time+chance=life, but when you look at the details, that is where the theory has problems. It has it's own "chicken or the egg" problem, and it does not adequately explain where all the extra genetic material comes from.