I only use Google Talk periodically, so I have no need for the Talk application to automatically sign onto my account every time that I happen to turn on my phone. Here’s how stop this.
1. Open the Talk application.
2. Select the Menu key.
3. Select More.
4. Select Settings.
5. Uncheck the Automatically sign in checkbox.
Now the account will only be signed into when you launch the Talk application and not when you turn on your phone.