Hey John, Brink,
Thanks for the welcome and the quick responses. I found out the problem, and decided to share, in case anyone else runs into the same issue. I have a very unique setup, with every "security" option set-up, which is causing me a PITA, and problems which may not be experienced by anyone else. However, with the fact that a lot of people don't want the logon to engage, simply disabling the lock feature, will keep the computer from requiring a password after screen a screen saver or sleep engages, or by any third party software which may not be as controlable as windows, and be an atlernative to not using the software.
My computer has multiple users, and the admin account on my machine has to be always and forever logged in (it records and tracks all phone conversations, very important it never stops), in order to make any accidental log out possible. I removed everything but "switch users" feature from ctrl-alt-del (since two other people have access to the admin account), and removed the log-off button from the start menu. I also did this to the user accounts, because of another problem with email retrieval which stops working if a standard account logs off before a reboot.
Anyways, I apparently "disabled" the lock feature, instead of just hiding it. What I did not realize is that the "lock" function engages, after a screen saver engages (if a screen saver is set to "display logon screen on resume"). Since lock was unable to engage, Vista never took me into a logon screen, and just kept running the current user.
I re-enabled the lock function and after the screen saver kicks in, the lock kicks in, taking me to the logon screen.
Thanks again for the help, it is much appreciated!