I'm sure that about 90% of the people around here have managed this, but how can I set up MT to allow me to reply to an individual comment?  E-mailing a reply is such a pain.  Any help would be greatly appreciated.

Well, if you have the comments being emailed to you when they are posted (a setting in the blog config), then emailing a reply is actually easy.  Before we had that option, it was easier to leave a comment on the blog and hope that the person came back to check and see if you'd left a reply!

Kristine