No, no, just no. Alright?
1. You can't think of temperature as the kinetic energy of bound systems like atoms.
I'm not talking about the internal KE of the bound system, but the KE of the entire system with respect to the external coordinate system. Not the same thing.
2. Atoms do have a certain amount of energy even when they're in their ground state (zero-point energy), but what you implied about not being able to reach absolute zero is nonsense. Atoms have a discrete amount of energy, higher than 0, however you can get arbitrarily close to absolute zero. The kinetic energy of the atoms is regarded as the kinetic energy of the entire atom (nucleus and electrons combined, thought of as a single object). That can be arbitrarily close to 0.
This is classical physics. In quantum physics the "wobble" of the nucleus appears as the KE of the entire atom. Granted that this is a very small amount of energy, but, since the electron cannot have less energy than it does in the ground state, the energy of the "wobble" motion cannot be removed. Since it is a KE of the entire atom, not just a part of it, a collection of atoms (or molecules, the same principle applies) will have some vibrational energy which cannot be removed. Since a vibration contains KE, and temperature is the KE of the system of atoms, there will be a temperature below which the collection of particles gannot go.
3. You can't think of an atom like a solar system, with the electron whizzing around and causing the nucleus to wobble like a star.
Yes you can. Energy/momentum is always conserved. For any energy term in a classical expression of a system, there will be a corresponding term in the QM wave function, so analogies between classical and quantum energies will always exist. You may notice that I used the term "analogous".
There is a tiny correction to the energies of all of the electron levels in the hydrogen atom due to the classical wobble. This shows up as differences in the observed wavelengths of the hydrogen emission lines from the predicted wavelengths where the "wobble" motion energy is not taken into account. The hydrogen atom is the simplest case, of course, but this effect appears in all atomic spectra.
4. Photons don't just turn into particles spontaneously. Never! Ever!
Yes, they do. This has been observed many times.
If that were the case, just about any photon flying from the Sun to Earth could turn into a particle-antiparticle pair.
Nonsense. In order to produce a particle/antiparticle pair, the photon must have sufficient energy to account for the mass-equivalence of the two particles. Since essentially none of the photons coming from the Sun have anywhere near the required energy, none of them can pair-produce.
The only way for a photon to turn into matter is to interact with something - hit a particle, for example. Even so, the amount of energy the photon carries is irrelevant once it reaches high enough energy for certain heavy particles to form. A 511 keV photon has enough energy to turn into an electron and that's only X-ray, not some bizarrely insane energy density.
Sorry, this is incorrect. A .511 MeV photon has only half the energy required, since the energy of both the electron and the positron (the same energy) must be present. One gamma rays exceeding this energy (1.022 MeV) appear, positron/electron pairs also appear. The same goes for gamma-rays of photon energies greater than 1.862 GeV, twice the mass-energy of protons (931 MeV); proton/antiproton pairs appear. This has been observed many times.
5. Even if the state you described existed, it wouldn't limit the upwards temperature.
I'm not clear about what you mean by "upwards temperature". Please define this.
6. "Higgs field conditions"? Can you translate that into English for me, please?
The Higgs field is a condition where energy densities are so high that no distinction can be made between electromagnetic fields and "color" fields between quarks. In this state, distances and times can no longer be defined, and no particles exist. This is thought to be the state of the universe immediately after the Big Bang.
Finally, a freindly admonishment: before you use vehement language in a scientific discussion, you might find it helpful to know with whom you are speaking. I've been teaching physics at the university level for decades.