Tools?

OK, time to help each other, Comments solicited:

If you use a genealogy program, please share your preferences:
What tool do you use?  Why?  What does it do well for you?
Here's a great list of the "top-10" tools.
Some of the common tools:

• PAF
• Family Tree Maker
• Legacy
• Ancestry.com

Your thoughts / experiences with on-line only tools, such as Ancestry.com?

Some issues important to me:

• Storing media - images, photos, etc.
• Marking an entry as Verified
• LDS integration - as you leave comments, recognize that this is not important to all.