Ok, there are 3 things:
1. Bluetooth kernel module,
2. Bluetooth service,
3. Bluetooth applet (in system tray).
1. My understanding is that if there is a BT device available, the appropriate module will be loaded at boot automatically.
A way to prevent it would be to blacklist it in /etc/modprobel.d
.
2. The BT service provides the BT functionality in userland. You disabled it, so effecively BT is inactive.
3. The BT applet is loaded regardless of the state of the service or the module. You need to disable it independently in Control Panel -> System -> Manage desktop startup programs -> System startup -> bluetooth-applet.
Although, given the 2nd point, you don't really have to, unless the icon itself annoys you.
It provides you with a quick and direct access to the Bluetooth Manager, where you can actually (re)start or stop the BT service.
Greetings!