Yep. It's just a matter of changing habits (I know that's not easy, but it's the best way to go). I had to get used to it too. You can turn on the Resume feature, but it has a lot of nice benefits, so I don't recommend it. One thing to keep in mind is that you don't even need to quit Word/Excel if you've got adequate RAM, you can just close the window and then switch to another application. The toolbars will disappear, so it won't take up display space, and then when you open another document it will be instant instead of waiting for the program to launch. Of course, if you're only running on 2GB of RAM, you won't want to do that, most likely.
jW