Menu accelerator keys

Actually my toolbar setup looks messy.
As you can see I have 4 toolbar sets and a toolbar selected.
Does that sound right?
Judging by the definition of a Toolbar set I am thinking I should have either a toolbar set or a toolbar selected at any given point in time.
Either one (single toolbar) OR one (named set of toolbars)?
Not sure at this point.
Any comments appreciated of course. For the moment I think I should retreat though and read up about toolbars/toolbar sets then report back here.....