TITLE: How the Galaxy got its Mass and Other Just So Stories Abstract: The standard treatment of cooling in Cold Dark Matter halos assumes that all of the gas within a ``cooling radius'' cools and contracts monolithically to fuel galaxy formation. Taking into account the expectation that the hot gas in galactic halos is thermally unstable and prone to fragmentation during cooling. I show that the implications are more far-reaching than previously expected: allowing multi-phase cooling fundamentally alters expectations about gas infall in galactic halos and naturally gives rise to a characteristic upper- limit on the masses of galaxies, as observed. I argue that cooling should proceed via the formation of high-density, clouds, pressure- confined within a hot gas background. The background medium that emerges has a low density, and can survive as a hydrostatically stable corona with a long cooling time. In this scenario, galaxy formation is fueled by the infall of pressure-supported clouds. For Milky-Way-size systems, clouds that formed or merged within the last several Gyrs should still exist as a residual population in the halo. The baryonic mass of the Milky Way galaxy is explained naturally in this model, and is a factor of two smaller than would result in the standard treatment without feedback. The predicted properties of Milky Way clouds match well the observed radial velocity distribution, angular sizes, column densities, and velocity widths of High Velocity Clouds around our Galaxy. The clouds we predict are also of the type needed to explain high-ion absorption systems at z<1, and the predicted covering factor around external galaxies is consistent with observations.