I need a Microphone - but I hate headsets - Any constructive ideas?

CatStalker: you should be able to tell windows to use the speakers as primary output device and BT as primary input device.
If you're using windows 7, it's as  easy as right clicking on the sound icon -> playback devices -> select speakers (instead of bluetooth) -> click 'set default'.
you'll want to do this after the BT is setup, as it's probably just stealing priority once it connects.