Over in the "practice what you preach" department, I've spent the last month or so uploading over 18,000 of my family pictures to Smugmug. Even though I store the photos on a RAID drive in my house and move regular DVD backups offsite, I am still relieved that someone else is worrying about my photos.
Once the pictures are uploaded it is very easy to group, caption, and rotate them. The site scales down gigantic, high-resolution photos for display, but the originals are just a click or two away.
It is good to know that my family pictures are now smug as a bug in a rug, as they say.