A quick note of thanks to everyone that added to this discussion... learned much. Here's my take on things now:
... first issue of Vista sure had the usual MS problems, especially with upgrades on machines not ready for it. Didn't even think of an upgrade on this laptop or regular PC when it first issued. For me, upgrades only happen when it is time for a new machine.
... with SP1 fix, likely not nearly so many problems on new machines configured from the start to run the new OS.
... I work independently so I don't have to worry about overall workplace integration. And no IT people to consult or confuse.
... learned that you can cancel that "do you really..." bit and I'd be sure to do that if Vista is my choice. Excessive password security already is driving me nuts.

Thanks again for the responses.