Factory resets: How to avoid the most recent OTA?

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http://forum.xda-developers.com – I'm trying to get some foreknowledge for when the day comes so I can avoid this. I'm currently using a Bell Motorola Atrix running 2.3.4 gingerbread. I absolutely do not want the latest 2.3.6 on this phone. My question is, when I perform a factory reset, how do I avoid it installing 2.3.6 automatically OTA? Remove the simcard maybe? I'm not sure. I'm currently using a carrier unlocked and rooted Atrix, but the bootloader is not unlocked and never will be. Please no answers that involve unlocked bootloaders / flashing custom ROMs. I am rooted but I will never be unlocking the bootloader on t (HowTos)