>I thought the other advantage of clustered indexes is that when SQL Server traverses the B-tree, when it gets to the leaf, it is already at the data. This is maybe where I am getting confused. I thought that since I am using a surrogate key (I can't remember if I mentioned this), an integer generated sequentially, that SQL Server would find the leaf more quickly.

This is one of the advantages of a Clustered index. With a non-clustered index, SQL Server has to do one more jump from the index to the table's data.

-Mike