Ok, so after reading Westguard posting on HHM's thread, I uninstalled it all again (I had installed Crack of Time on top of U just to get to the point of logging in lol) and installed JUST CoT.
That brought me back to the mss32.dll problem. Soo...I did try running in XP compatibility mode and as administrator. Neither worked.
ET - I again tried your mss32.dll link you put up and THIS time it worked, but I had also tried the other vista-y link you put out there and now I'm getting this error message:
"libpng13.dll is missing". Or something like that. Any thoughts? lol
And thanks, guys, for your help.

~~EDIT~~
Interestingly enough, when I look at my uninstall program list, there is no sign of Lineage or NCSoft or Crack of Time even being a program on my computer. However, there is most definitely a folder called "Lineage Crack of Time" with all the contents that I have installed. What am I doing wrong? lol