Thought I would kind of put all of my findings on this subject together - maybe it will help someone. What I learned (from here, forums and my own experiences):
First, no one (or two, or three!) programs will get everything. Adaware caught 400+ things (mostly cookies), Spybot S &D caught over 20, Housecall a few more, and Spybot Sweeper found 46. Oh- MS Defender caught zero, none, nada of these - I had been running it all along (with Trend for anti-virus). And who knows, more programs might catch even more.
Second, there are a number of good forums out there, many of them recommended in this thread. There are even ones where you can run a program called HiJackThis and post the results and people will guide you as to how to get rid of your problems. Guess there are people who like to help people clean their computers, just like cleaning cars!
The key to keeping out programs seems to be your internet settings (or using something besides IE). I use IE becasue so many of my supplier's sites won't run on Firefox. But there are ways to configure IE to protect you-good information found on the anti-spyware forums.
So, as of now, I am not getting any pop-ups. I know that doesn't mean I am totally clean, but aside from buying more programs or running a HiJackThis scan, I'm done. Thanks for everyone's help!