How do I get xterm to startup and be saved across logins in gnome

One way of course is to log out and say "Save current setup". Where's the fun in that?

Here is another way:

1. Click on Applications -> Preferences -> More Preferences
2. Select "Sessions", which is at the bottom of the menu.
3. Choose the "Startup Programs" tab, click the Add button.
4. Make the order to be 65 (this is assuming your programs in your current session end with order 60)
5. Enter "xterm" in the text window that says "Startup Command".