Well, when I reformatted, I did NOT set my email up to go through Outlook this time...picked that up pretty quick here! I downloaded NAV, and ran updates for a couple of hours, just kept running it til it said there were no more...and I re-installed Zone Alarm. So, hopefully no more cooties.
As for the tools to get rid of it, I downloaded both A and E, and ran them (which took a bit of time, let me tell you) and both of them said they were not needed on my computer, as I was not infected with that virus. I tried the version from McAfee AVERT, as well, and had it down to one file that I couldn't get rid of, got aggravated and turned the computer off for a while. When I came back, it was completely re-infected (McAfee got cleaned all the same files I had cleaned before) so I went to the Microsoft site, and they had Command Prompt lines that were supposed to get rid of the one file I couldn't get rid of, and I'm not sure, but I think I heard the damn thing laughing at me when I tried that. I posted a thread on here asking for help, and got references to all the things I had tried, and then KorpDeath (I think) told me about it opening a back door to my computer so people could get in, and in my inexperience, I didn't have any idea how I would know about it, or how to fix it, so I reformatted and re-installed....lol.
Thank you again for all of the answers to my questions. I do feel better knowing it's possible that I could have gotten it just by reading my email (well....sort of!) I really do appreciate all them time you took to answer all those questions!!