Eureka !
I think I finally fixed it (knockin on wood)
I'm bad about placing files randomly here and there. I have all the three types of files in Documents. I searched diligently for every type of file mentioned and found all that I could that were still showing encryption. I either changed the attribute or deleted them, as fit. I'm glad I didn't have a terabyte of files/folders to search through !!
It apparently worked. The system is no longer automatically encrypting files. I'll know not to ever encrypt "My Documents" again. I don't even remenber how I accomplished what was happening. When you right click on the "Documents" folder in Windows Explorer, then click on properties, there isn't an option to encrypt the folder. I must have opened "My Documents"... selected all... and then right clicked to encrypt them all.
I guess I'll just create a separate folder(s) on a removable device for any files I deem sensitive.
Thanks for the reply LightJack. Wish me luck.... {:o )