Yes, I believe that was the topic I found a little while after posting the one here. I managed to get it fixed by around 5am.
It was under /apps/nautilus/preferences/show_desktop .
One of the confusing aspects is something I don't know if anybody else has happening, but when I'm connected to the internet (via dial-up), Nautilus doesn't want to open any windows! Sometimes gedit also does not want to open up. Once I get offline, then my computer goes crazy opening up all of my requests at once!
And since I was trying to get Nautilus to work for my desktop, naturally it wasn't going to work until I got offline as well. When I logged off, all of a sudden a "slew" of icons appeared on my desktop!
Then it was a simple matter to change the settings from showing my home directory, which cleaned it up nicely.