I'm with Texatdurango, after 1996 I've used WS_FTP since college when I need an stand alone FTP program, but with my newer stuff (the last 7 years or so), I've been using Windows 'Network Neighborhood' and 'My Network Places' in the last couple of OS iterations (2K pro and XP Pro) for all my web file transfer needs. Basically it allows you to transfer files across Windows folder type UI's.
Once I've built enough computers with the extra copies (legit, of course) of XP Pro that I have, however, I'll be switching all my newest boxes to whatever Linux build is kicking butt at the time. Right now Ubuntu and Kubuntu are looking the best, IMO, as far as extensibility and support when moving myself into the whole 'free' OS realm. Red Hat is trying to head in Microsoft's direction, and there's just too many good developer out there working on truly free stuff to consider them, although they probably still set the bar for Linux.
I've no intention of ever switching to 'Vista'. I spent enough time writing code on and dealing with 'dark side' of Billy and Steve's OS crap (namely: 'Whistler') to know that it's time to make the switch to something better.
When that point comes, I'll probably have to either learn something totally new or write my own extensions to do what I need to do. I know the caliber of the developers that Microsoft was courting when it came time to 'start from scratch' on Vista, and it wasn't pretty. [B)] That whole thing's a pig. [V]