UPDATE:
Okay, well I think I found out I am a little more TECH-OCD than I thought. LOL
I remember going through this when I had a PPC, always checking running apps and killing the ones in the background etc. It drove me nuts!
Anyway, I did a little more reading about how Android runs, and found some good info in the link "mclarryjr" provided in post #3. I removed ATK, did a hard reset to make sure it's clear ... because of my tech-ocd ... LOL ... and installed SystemPanel for monitoring purposes.
I found out through the internet, and a help file from SystemPanel, Android will keep recently accessed apps stored in cache for quick access if needed later, BUT, the if the phone needs the resources it will "kill" the app in cache to free up memory to run the newly opened app ... does that make sense???? LOL
Knowing this, it eases my mind so while I do have SystemPanel installed, I haven't used it to "kill" apps. My phone has been running smooth and quick! I love it.
Thanks for the tips every one! I hope future readers will get something out of this thread.
Now that I have the memory thing down, it's time to order the 1750 battery to improve battery life. That's another story!
KILL your OCD, not your apps. LOL