My tools of the trade are as follows..
ArtGem, Bryce 5.5, PSP 8 (with some great plugins) and a few misc programs like Anim8or (free 3d modeling package www.anim8or.com)
ArtGem is by far the program I work most with, the others are mainly used for processing, not editing. (I can do in 5 min what takes a half hour and some major headaches to do in PSP or Photoshop.)
EDIT: FYI: PSP and Photoshop type programs are desigend for post production,.. making something from scratch in those programs is way too much work for me, I just want to have fun without having to take a university course to know how to use a program properly.
Cheers!