Today is the first time its done this...
Its -20 F outside, i started my car, let it run for 20 minutes until it was warmed all the way up, i left, I had my radio on but not up to loud, headlights were on and that was it, 5 minutes after leaving i came to the first redlight, sat there for about 30 seconds when the car died on me, so i put it in N, and fired it back up, got to work no problems...now tonight i pull up to my place (I park on the road infront of a saturn) put the car into reverse so i can snug up to the curb and the front of the Saturn and my car dies right there..no hesitation just goes from 1000 rpm to 0. I did a charge system test on my car today, the Alt puts out 14.4V at idel, and with the car off the battery holds 12.25 volts..those numbers seem good to me...

That doesn't seem to be a charge problem to me. Have you noticed any power loss at all? Like a restricted exhaust?

None what so ever..shes running just as good as ever..no stored codes or SES light...Im just kinda cautious to drive it now due to this could happen on the hwy or going through town.

Get under there and kick your cat fairly hard. If there'* any rattle at all, it could be trying to clog up on ya

You would know it under WOT if the cat was clogged.

I'm betting an ignition or fuel delivery problem. Does it only do it when the car is warm?

Simple solution I found when mine was doing this. See if the TB bolts are tight. Mine would stall, noone here could figure out why, so as I was replacing the Fuel Pressure Regulator, I figured I'd clean the throttle body. Turns out all the bolts on it were loose...

seems to be only warm...i drove away from work today slowly with it cold, took the hwy home, 20 minute of driving it was close to the half point on the gage.
But when i left my house and came to that light it did it even though it was hardly warm!
In my first post i said i let it warm right up..not quite it drove away when heat started to come out of the upper vents.

The way your RPM'* are reacting, I'd bet the ICM. Fuel wouldn't cut out that quickly.

Is there any tests I can run on it myself to find out....because this car is starting to cost a little to much for my likings! :(

Could be your IAC valve or the passage around it is gummed up.