Asprin, your research is right on the money. The Wikipedia article (which is what I ran into during my research) describes my exact problem. You mentioned in your post that one of the reasons that might cause this is:
"1. Where the program is left running, and consumes more and more memory over time."
This is how it happens to me. I basically leave my computer on for days straight, and eventually, the a lot of the programs increase in size.
All hope is not lost though. I did find, somewhat of a band-aid, as a solution to this problem. There is a program called "FreeRAM XP." It basically defrags your RAM. For those that might be having this problem, you may want to consider downloading this program here:
http://www.yourwaresolutions.com/software.html#framxpro
To give you an example, it took a program that comsumed 5,323 KB and tuned it down to 535 KB (which is normally where it sits).