I'll go in order:
j10
j9
99
1010
KQs
AJ
78s
109
22

I just cant see a flopped set because you'd think he would be raising the turn to your full pot bet.

I realllly don't see how the set is 'naked' and a fold should be found. It sounds like you lost the pot and are trying to come up with odd reasons to fold. I'm always OK with losing with a set to: set over set, runner/runner straight (as long as its not a 4 carder sitting out by river). I can't find any good reason to be folding, this is a philosophical thing. There will be plenty of other times where villain nails 2p but there is a potential straight on the board, but we can't fold just because we might have been beaten by a runner runner straight.