Hi Bob,
From an optimization standpoint, I think it's generally worth targeting the most relevant 2-word terms you can find. But I'd do so within larger search phrases containing those two words so you're sure to pick up on the less competitive but likely more targeted phrases.

From a Pay Per Click standpoint, the more targeted phrases generally convert at a higher rate at a lower cost per click, so you need to approach the same terms from a much different perspective.

Avatars: there's no conspiracy here, Bob. I just send a photo to Brittany and she hooked me up. I can't remember where I read on here that that's how it's done, but now you know.

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- Ed Kohler
Web Marketing by Haystack In A Needle