You just posted again. Regarding those supercaps, see below.
Johnny010:
Ah I see!
Didnt notice I shorted that panel :|.
So a simple 12V panel with some regulators for each voltage I need is best?
How about this in a TO-92 (easy soldering for me!)?
Low Power Low Quintescent Current 5V regulator
And then for the 12V supply, just a simple fixed 12V LDO like this:
http://www.ti.com/lit/ds/symlink/lm2940c.pdf
With 2 general silicon diodes to drop that to around 10.6V?
I was more worried that components like regulators may just sap power when not in use...
PS> The 40mA was what the panel "could" produce.
There are other problems as well. 4F caps won't hold anywhere near enough charge to power your circuit overnight and through heavy overcast periods.
These are the basics:-
1 Farad = 1 Coulomb per Volt
1 Coulomb = 1 Amp-Second
1 Farad = 1 Amp-Second per Volt
So if you charge a 4F cap to 5V, and don't want it to discharge below 4V, you can only draw 4A for 1 second, 66.7mA for 1 minute, 1.1mA for 1 hour, 110uA for 10 hours etc
Then there's the panel. It needs to be able to supply enough current to run the circuit and charge a battery or supercaps to allow for night and overcast periods. Unless you're in a particularly sunny place, it needs to do that without full sun.
Finally, for a 12V LDO regulator to work, you don't want the panel output to drop below 12.5V.
Still beats drawing 60mA through those resistors from a panel that can only provide 40mA total.
I was more worried that components like regulators may just sap power when not in use...
Not as much as those resistors. 
I don't get why you want to drop the 12V supply to 10.6V for the RF TX module, either. If it's a typical 3V to 12V module, 12V is better.
Anyway, overall you need to put a fair bit more thought into your design, I'm afraid. And while you originally didn't like the idea, switching regulators aren't so evil or expensive. Unfortunately, you can't design something like this without spending a little money.
Sorry to be such a wet blanket. 