Use one AF point for non-action shots - usually the centre spot but as Gofer says sometimes for composition reasons you may want to enable another single AF spot rather than the centre one when your main subject isn't in the centre of the viewfinder.
Multi-AF spots are for photographing difficult, fast, moving subjects such as birds in flight where regardless of which AF spot(s) attains focus, as you track the bird, and as long as you keep the bird in the active AF spot area, focus is passed seamlessly (hopefully) from one AF spot to another to maintain focus as the bird's position changes slightly in the viewfinder ( In Servo Mode)
Having multi spots selected all the time is no doubt the cause of most of your problems, but it's also important to choose the right focusing method.
ONE SHOT MODE
You'd normally choose this mode for static subjects and you get a nice green focus confirmation light in the viewfinder together with a beep if it's enabled. The problem with this method though is once you have the green light, focus is locked as long you have the shutter button depressed to the halfway position. If you hold onto this position too long while composing your shot, it doesn't take much movement of either yourself and/or the subject to give you an OOF shot.
SERVO MODE.
In this mode the lens focuses on the subject continually regardless of your own or the subject's movement when you keep the shutter button half pressed. although you get no focus confirmation light. It's heavier on battery drain I suspect but this is my preferred focus mode for the vast majority of my shots.
AI SERVO MODE
I dunno if your camera has this mode (my 20D does) but just don't use it - it's absolutely unreliable. It's supposed to be an intelligent system which will select servo or not depending on subject movement but it really is pants.
That's the basic bones of it, but there are plenty of sub settings and personal settings within the AF settings and as Gofer says, there is really no substitute for wading through that manual to get a good understanding... sorry. The manuals are translated into English from Japanese by a guy from Papua New Guinea, but that's just the way it is.
