While the keychain cannot be disabled, under normal circumstances the keychain password will be the same as your login password (the same password used to log into the computer, install Software Updates, etc), and should rarely present a request to be unlocked. The keychain can be reset, which will allow you to set things straight and keep the keychain quiet.
Many Thanks, Allen. I think I have it solved, i.e. no more keychain window asking for my PW. But, the problem is/was: I never entered an orignal PW for my computer - left it blank after signin name. Thus, whenever I tried to hit 'return' w/ a blank PW, the computer gave me the 'no-no' wiggle. But, as I said, I believe it is solved, though I'm not sure how I got did it. Thanks again for your quick response....Cheers..jtt