Here's a strange bit, The only program in my startup checked is my zonealarm stuff, even unchecked systray and taskmon. Staring at a desktop, nothing open, says 60%+ used. I open up a little mpg file :-) om media player, usage drops to about 15%. Got me. I'll just keep running her. I can't figure it out.
These are my thoughts, your mileage may vary.