Thanks pomprocker on the heads up for Spyware Doctor, it found another ~20 trojans on my PC . . . gasp . . .
I already was using Norton Corporate Edition (got it free and unlimited from work), which had found many of the others.
The Smitfraudfix.exe I mentioned earlier, at least the copy I got from a very trusted/knowledgable friend who claimed it was clean and will fix my probs, was infected with IEDefender.exe . . . still trying to get rid of it
I edited my first post to no longer include that program because I can't guarantee its clean from any particular download site . . .
After all the above, I ran MalwareBytes (a 2+ hour scan), but it didn't find anything new.
I guess the lessons I learned were:
being paranoid doesn't work, even the most trusted software can be hijacked - you WILL get a virus
use multiple anti-virus/malware programs, no such thing as a 'cure all' program