Webmail That Works

I really want a webmail that works for me. I have spent alot of time looking, but I still can't find it. Email is supposed to make my life easier, not harder. I don't want my email downloaded to a computer at home so I can't access it at work or vice versa. I want to be able to check all five of my email accounts in once place with one click. I want the basic functionality of Thunderbird in a webmail. Why is this so hard to find?

I have tried Gmail, Yahoo, Hotmail, Verio-based webmail, plus about 15 different php-based webmail systems and none of them do what I need. Features I need include:

• Check multiple POP3 accounts with one click
• Folders that can contain subfolders
• Send email from any of my five accounts
• Spam filter
• Message filters

In addition to this I would love to be able to check POP3 over SSL, but that is not a requirement. I will rejoice the day that I can find a webmail that works for me. Until then, I will continue using paid Yahoo mail ($20 a year) that does almost everything I need (each POP3 account has to be checked seperately and you can not have subfolders). And yes, I am willing to pay a reasonable fee to make my life simpler.