One more thing.....is there a way to jump between
user accounts without either all that tedious
loggingout/logging back in, or dummping everything in
'shared'?
Yes.
While Boece is right that using a separate account isn't really the solution, just indicates that there's nothing wrong with the system and the software, but something in your (original) user account that should be amenable to being fixed, you can switch between users quite easily with Fast User Switching. You enable this via the Accounts preference pane. Click on Login Options (you may have to click the padlock and give your admin password to unlock access), and then click 'Enable fast user switching'. If you leave the default view as 'Name' you'll then see an icon on the top right of the menu bar with the currently logged in user's name, and can switch between users by clicking that and selecting whichever other user account is appropriate. Once your two user accounts are logged in, you can switch between them seamlessly that way without disturbing active processes.
If you then save documents you need for both accounts in the shared area, you can work between accounts without problem. Be aware that since both accounts are active, memory usage can grow to the point the system slows down if you don't have ample RAM!