I have not had the problems you mentioned with a non-BT (Belkin) router & non-BT (D-Link) USB adapter, with no SSID broadcast, WPA encryption, MAC address filtering, etc.
But apparently others have with one or other security measure tuned on (e.g. WEP, SSID not broadcast?) which cause such connection problems.
Until someone who has the same kit as you, with the same problem and suggested workarounds, posts, perhaps you could let us know what security measures you have set?