why do iPhoto, Word, and Finder open when I restart Lion?
Back up your system before trying this, in case it messes anything up, but I'd recommend this procedure:

In the Finder, press ⌘ShiftG for "Go to the folder:" then type ~/Library/Saved Application State/. Delete all the folders in Saved Application State, then press Command-I to Get File Info. In the Get File Info window, check the "locked" box. This should keep applications from restoring their state.