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Because Google is cracking on  spammy keywords should I remove my meta keywords tag altogether? I hear they dont factor it in anyway?

Hi, my name is Sam and I am new to this forum and SEOMOZ. I got hit hard in rankings after the Panda Update and was really suprised. I do not use any black hat SEO I am aware of, do not keyword stuff, and dont even have a tag cloud. Just wondering what in the world I did to get hit hard. Anyone else have this happen, and If so what would be good SEOMOZ tool(s) to use? I will admit SEO has always confused me. From my experience it's not always the best site (relevance) that gets ranked the highest. I feel like I'm missing something with SEO. I'm hoping this SEOMOZ site will help. I may end up hiring someone from Elance to do my SEO, lol. Sam