This can't be working that way as I read some posts and can't make any sense out of them or what they are actually being posted for. I'm sure some of my posts are taken this way by others, but there are some who's majority of post seem lost and they accumulate points.
I have my rep points turned off, but somehow they still seem to increase
Everyone is different, Rick. Some posts will mean more to some then to others. Heck, some posts may mean more to you later on that don't really now. For instance, a good post about alternator problems won't mean much to you until you start having alternator problems and look for help. So you may read a post a year old that is now relevant to you, and you may very well think that it was such a good helpful post, that it may very well deserve rep points from you.
Turning off rep points only makes them not displayed to other members. It doesn't block the points.