I like to tabs on top. Great feature, because it saves space on small monitors. Smart Apple skipped this feature.
Too bad too. I was playing with the Safari 4 beta and liked the tabs on top. In fact, just as I got used to them Apple released the final version and... the tabs were back at the bottom!
I find that generally speaking, Chrome's interface is VERY efficient. I like how it handles the status bar in particular and how you can have your bookmarks bar ONLY show up on a new page. I also like that search and the address bar are merged.
The newest release cleared up a few issues I had with it too. (Those being: Exposé never worked right for Chrome in Snow Leopard and some script intensive pages would just die.)