Stamp 2.8 to download images off cards, and rename them with a date stamp (I rename files to time, so IMG_5788.CR2 shot at 1:33pm and 57 seconds is renamed to 133357_5788.CR2
Pixort to cull and rate images. I use this instead of lightroom because it's 10 times faster than lightroom. Pixort will load an image and rate it as fast as you can press a key. You can cull/rate 5 photos in one second if you are fast enough. Lightroom has a delay and loading time between each file which makes it really SLOW.
Lightroom 2 to process photos. I will wait until 2011 to upgrade to 3.
Photoshop CS2 for any additional edits LR cannot do. I didn't find any benefit in upgrading to CS3 or CS4 but CS5 really has me thinking that it's worth the upgrade.
Picasa to index and browse jpegs after export.
ncFTP to upload them to my blog, photocart, or website
No HDR, noiseware or skin smoothing software... I find that stuff kinda useless and gives mediocre results.