I prefer my taskbar to be in 'always on top' mode to any other available mode.

I have also always moved my taskbar to the top of the screen on every PC I
have used since Windows 95 (makes sense to me - application toolbars are at
the top too, so less movement of the mouse, etc..  - anyway...)

However, it's a frequent occurrence that apps open windows (their main
windows and/or pop-up windows - depending on the app) where the title bar for
that window is then covered by the taskbar.  

OK - I can select 'move' and move it.  But that's getting to be a real bore.

What I actually want is a tweak to that the taskbar is always on top unless
it covers a title bar, in which case then that window is on top of the
taskbar - so that I can then move it without the 'move' hassle.

That, or force all windows never to open underneath the taskbar.

Can anyone help me with a solution to this issue ? Is there a tweak
somewhere - or even some software to install etc  ?

Many thanks for any help out there.