I went through the same series of questions a couple of weeks ago, and finally decided to go to '09. Two reasons, really. Faces in iPhoto - wanted to get all of my photos of my children sorted properly, and FTP in iWeb for my partner's website. I currently use Cyberduck, which is great, but I'm no techy and it takes ages to remember exactly how I'm supposed to get her website live each time she updates it. I'm hoping the new version is going to make that somewhat simpler - especially as it should only take setting it up once and showing her which button to hit for me not to have to do it again!
Tiptopp