@galen84basc -- Well, like the article said, don't try to cut it off -- you could get a toe infection.
I would say that if you keep getting a callus on one spot over and over again, you should talk with a podiatrist to see what's causing it.
Many times the causes of calluses on the toes is a problem with the way you walk. You said you don't wear tight shoes, but do you wear properly fitted shoes? Too lose shoes could be a problem too.
I used to get a callus on my little toe just like the one you're describing, and my podiatrist ended up showing me how my shoe was causing it. Now I've got it all sorted, and no more callus!
I'd really advise you to seek out a podiatrist if the callus bothers you that much, and especially since is appears to be recurring.
He or she will be able to tell you what's going on, and you can get it fixed.