Thanks for the advice regarding Listpro, I've downloaded the demo to give it a try.
The reason I say it's ironic is the repsonses that I've received, simply becuase I wasn't anywhere near clear enough on what I would use it for. I've since solved my problems with a Palm (!) application.
The main reason I wanted "always on top" functionality was so that I could keep the checklist up... when I was doing my weekly review. I wanted something light and simple so that I could create a simple checklist of what I wanted to review during my weekly review. Which folders to process. What items I always forget to include in the review. A hard-landscape way to ensure I've collected everything.
I use the plain vanilla Palm apps for my system, and use the Palm Desktop for scheduling and tasks. I use Outlook for e-mail only, as it is delivered via Citrix and I cannot sync my Palm directly to it (I could if I had a Treo 650 or 700w or P, as they have ActiveSync). I only needed something to help remind me of where I collect things - where my buckets are. I find the task program in the Palm works just fine for me - maybe I don't track my projects properly, but it is working.
The long and short of all this is that I have found a Palm Based solution. It is freeware, and it is called Checklist v 1.1 and is available from Palmgear. It does precicely what I need, no more, no less. I use Handyshopper for Shopping, etc., and I thought about using that, but even that is a "heavier" interface than I was looking for. Besides, hitting "Checkout" at the end of a weekly review kind of seemed wrong.
Thank you both for the suggestions, though.