Total hybrid here.

My provider offers an exchange account that offers you every mode of access (except blackberry).

On my personal computers I use Exchange, when I had a blackberry at the last job I POP'd into it, and when I'm using the work machine now I can't add accounts to I access it via webmail.

I find the huge advantage to POP is you have it locally for when you are not online, and it's much faster usually.