I like the admin bar in the backend, it's a nice touch.
But on most of my projects I like to keep my front end clean with my UI only, so no admin bar. And it's a pain to remember to un-tick the option in the user profile when setting up new users.
Ipstenu's filter worked for me, he said it only works in the TwentyEleven theme, but seems to work for me on my custom themes.
Add this too your functions.php
// Remove Admin Bar Front End add_filter('show_admin_bar', '__return_false');