John,
Shoot RAW+JPEG. This way you will have proof images ready to upload to the web and have the high resolution files for the images that you want to manipulate.
Don't hesitate to bracket. Unlike film, creating digital images doesn't cost anything and hard disk storage is ~26 cents per gig which will store ~70 images for me.
I am regretting not shooting RAW+JPEG on my recent Florida vacation with the family - I shot RAW only. Even with a fast RAW processing program and fast computer, it still takes time to batch convert RAW images to jpegs - 50 sec/image in BreezeBrowser for full resolution. Jpegs are what I need to upload to the web.
1. Storage is cheap and getting cheaper. I can now buy a 16 gig x233 CF card for what I bought an 8 gig about 6 months ago from newegg.
If you follow the BestBuy, Staples, or OfficeDepot sale fliers you will find that 750 gig external 3.5" drives are $180 and 2.5" 320 gig drives are $130 on sale. This puts a 750gig, 700gig actual, hard disk at a cost per gig of about 26 US cents, 25 Canadian cents. (grin)
So get a couple of external hard disks and rotate them off site with back-ups of your images on them. For Windows I use robocopy, robust copy, from the Window resource kit since it allows me to mirror directories. And it will only overwrite updated files not all the files.
2. After shooting just raw for a while, with an occasional RAW+JPEG for some events I have decided to shoot RAW+JPEG small/normal. This gives me 2.5 megapixel proof images that I can upload to the web or send to a client. And I will get about 70 iimages per gig with my Canon 40D, 10.1 meg RAW, 2.5 meg jpeg.
The only time I might switch to JPEG is when I need the ~75 high speed burst images on my 40D vs ~14 or ~17 RAW only.
To those folks who worry about clients having issues with these images being different from the final, manipulated, image. You just need to call them digital contact sheets or digital work prints, and tell the client that the final "sign-off" image may look different.
3. For workflow I do a digital equivalent of putting a box of slides on a light table.
I upload my images into a raw subdirectory under the destination directory. This way I can move the good images up one level. I also using a final directory structure that groups images by what will fit on a DVD, then the date(s) then shooting date/subject/location/details
D:\images.for.DVD\DVD.2007\DVD.2007.10.08-19\2007_10_19_[insect].us.ny.west-danby.[bee,chrysanthemum]\raw
ACDSeePro and ThumbsPlus both allow one to include subdirectories in the thumbnail view. Otherwise my wife and son would give me a lot of grief because they couldn't see all the photos at once! ThumbsPlus only takes about 3 minutes to pull out of its database the ~97,000 thumbnails for the ~344 gig of images since 2000 I have under D:\images.for.DVD. Thumbs is using ODBC to connect to a mySQL database, db is ~6.2 gig in size.
4. I use Downloader Pro to download my images. You can set it to download the images to one or two other backup devices. Useful when traveling and you want to keep an other copy of your images on an external hard disk in case something happens to the laptop.
I then use BreezeBrowser to make sure that the images downloaded.