"you still recommend to dump all cookies and temp files every once in awhile, how oftend do you do it"
I dump my temp files and cookies once a day, or more. That's just me. For me, I notice that many cookies are labeled as "dangerous" by spyware programs and dumping cookies takes care of that. Also, I have my temp files setting at 10MB which is all you need.
"also I do have that password complete on, but sometimes when you click the username it does not give you a password"
If, at one time, you told it to *not* remember the password, then it never will after that. That's why you have to go in and clear all passwords first, then it will ask you next time if you want to save it, and you should say Yes.
"also those sites that remember your zip code, like moviefone.com or weather.com, once you erase you have to do that process all over"
That is the difference between "Clear Forms" and "Clear Passwords" at that Tools location I gave you. Zip codes etc. fall under "forms." When you clear the passwords, you don't clear the forms.
It can take a while to get used to forms, passwords, etc. but I feel it's the easiest way to do things.