I am trying to use an FT232 chip so I can program the MCU while its on a PCB design...
Write now I am just trying to get it to talk on a breadboard. I have check the connections over and over again. As far as i know the drivers are installed although I do not see it in the device manager.
Does the sparkfun/adafruit or whatever FT232 module have the chip preprogrammed or something that a standard digikey FT232 does not have?
You seem stressed frustrated and angry. This is why you are not thinking clearly about what we need to know to help you (and not just which chip). Have you googled for this? Can you give us a schematic?
I use Atmega328 chips all the time for custom design stuff at work. I get them off digikey for $2, upload the bootloader, blah blah blah...
What is anoying is popping the chip on and off the board anytime I need to adjust the program. I want to be able to program the MCU while it is on the PCB using the Serial port and not have to go through the UNO board.
I am not an expert on this. in my understanding the magic is that the Arduino bootloader is 'the programmer'. When the chip boots, the bootloader listens if a new program data comm in on serial.
"I want to be able to program the MCU while it is on the PCB using the Serial port and not have to go through the UNO board."
On my custom boards I have both an ICSP header and a FTDI header.
After assembling, I plug on a Programmer to bootload the MCU, and then plug on a FTDI Basic to download/debug code.
If you don't have discrete headers, you can also just connect to the needed pins discretely if you have access to them. If you didn't provide access, that makes it more challenging.