At work I'm forced to use WS_FTP, which is unfortunate. At home I'm much more productive using AceFTP. They offer a quasi-free version that you can check out here:
http://www.visicommedia.com/aceftp/
AceFTP offers lots of little time-saving features like chaining your directory views, some very powerful features like site synchronization and queueing, and is pretty customizable as far as views and functionality. It does have a largish footprint though, and is Windows only.
It's major weakness is that it does not offer SFTP functionality or any kind of secure transfer. For this reason I've had to use CuteFTP Pro with some of my client sites, which I think is actually worse than WS_FTP (sorry cute fans).
I haven't yet had time to check out SmartFTP, but it's on my list.