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Delete everything from Steam folder apart from the following:
1) Steam.exe
2) steamapps folder
Then run Steam.exe and it should rebuild itself. You won't lose any games or need to reinstall doing that.
Just make sure to have the password in hand and/or the recovery details and access to your email account.
what happens when you download from somewhere and they then dissapear? does that mean you will never be able to install the games again or is there some folder thats downloaded you can burn to dvd or something for future installation?
Im not sure ive had a few error messages after quitting steam and closing down games, and im having loads of issues with things not appearing in shops, the buy buttons not appearing or not working when i click them, i can't really complete purchases it just doesnt let me :s