Tks all, I'm goina wait until I have a day off (or two) to tackle the tough stuff.  Thankfully system is stable and everything runs fine.  And just a filler word to all concerned for me...  1)yes all stuff is backed up.  2) I've already tried all the bases about being the only admin and even logging in as admin in safe mode. 3) I can't uninstall the programs in the stupid folder (access denied). 4) I've verified permissions, sharing, and all that stuff. 6) A local puter shop man said sometimes upgading to sp2 has caused wierd problems to programs already installed.  He suggest rebuild also. 

This thing is just plain wierd.  At least not fatal.  I may use it as an opportunity to upgrade hd size.