Here's what I use
HTML- Web-O-Rama - same as notepad cept has a few shortcuts and view in browser button, i hate wysiwyg
Graphx- PSP, Fireworks, Photoshop - btw, why not use photoshop, as long as you dont pay for it
Email- POCO - best small but powerful email proggy I've ever used
AOLIM and ICQ
All browsers, have to make sure everyone can see my sites the right way
WS_FTP- haven't had a problem with it yet
Dunce- automatic internet connection
mIRC- to get my free proggys
Roller Coaster Tycoon- for relaxation of course
That's about it