Thanks for all the help. I created a second profile, and even with everything loading on startup, XP does turn the monitor off there, so the problem has got to be something in this one profile. So I'll just use the files & settings transfer wizard to move all my settings to the other profile, see how that works.
This current profile definately has something weird with it right now. I had the timer to shut the monitor off set at 1 min so I can test it out (normally have it at 25 min). Anyways, now it's stuck, no matter what I set the power options to, after 1 min of no activity XP kicks me back to the logon screen, not logged out, but like if I had clicked the switch user option.
I'll just go ahead and move everything to the other profile for now.
EDIT - I guess that's just how XP works when it goes into standby, sends you back to the logon screen. I've never had more than one profiles to really know what happens.
Anyways, I am just going to finish setting up the other profile and consider the problem fixed. I'll reload Windows sometime in the future when I've got more time to spare. Thanks again.