No, you don't need to add up three fields to create the fourth field in your table. (Yes, that's right. I said you don't.) You don't need to store squat.
NEVER store a computed value when you could just write a query to recompute it when you need it. NEVER. (OK, hardly ever...) A table is a recordset. So is a query. Never send a table to do a query's job. Put anything computable in the query and open the query as though it were a recordset. With the understanding that you cannot update the computed fields. But if this is for display only, you won't do that, right?
The NZ function comes to mind as a possible solution to your second problem about blanks and zeros and such. Look that one up in Access Help.
The only exception to storing a computed value is when there is no record of the components of a computation, only of the end result. Like, in a store, when one discount is applied and the manager has to do a discount override in order to match another store's prices... ("WE WON'T BE UNDERSOLD!!!") So you would store that final discount because there is no other way to capture it - and it won't be in your database because the other store's discounts normally aren't. That's an example of how rare it is to break the "never store a computed result" rule.