It seems there is a struggle going on between WP development and plugin/hack developers over the relatively new admin bar in WP.
Like (I am sure) many WP users I feel the presentation of my site would be better without the admin bar but none of the plugins or hacks suggested in various places has even the slightest effect on its appearance.
It also seems that development of WP 3.3 will further entrench this feature.
Given the number of plugins and hacks being developed to remove it (at least aesthetically) surely WP can give us a universal option to use it or not.
As a WP newbie and html/php/css/js novice I have (I think) exhaustively examined every possible option to do away with this feature (all to no avail). I dont wish to prevent others using it (I can see it would be useful in some circumstances), I simply would prefer not to have it and use other methods for log in and access to dashboard. For the time being I (and my clients) will 'live with it'.