Interesting how this problem manifested itself in other applications just about the same way that it did here.
I'll also point out, that
ctfmon.exe is part of a standard windows install (SP2 perhaps). Though it does not
run by default.
Office is not required. I do not have Office (or any other WP suite, unless
Vim qualifies

) on either of my systems.
I had put IE7 onto both systems, though I rarely use it.
IE7 does cause
ctfmon.exe to load into memory.
So it is conceivable that someone who doesn't have Office, & doesn't use IE7, (or anything else that may actually cause
ctfmon.exe to actually load into memory) may never come upon this problem.
Oddly enough, on my computer in my office, which does have both IE7 & Office XP,
ctfmon.exe does not load. Thinking that when I installed IE7, noticing the language bar, that I inadvertently disabled it
correctly, thereby preventing
ctfmon.exe from loading on that system. (It would have been some time ago, so I don't really remember, though i do know that I stopped the language bar from loading - in one fashion or another, on all systems that I get to.)