I'm used to working on a Windows XP box, and one of the first things I do is either install the powertoys, and especially the Open Command prompt here plugin for the explorer. This plugin basically does the following.
It allows you to navigate to a folder using explorer, and when you click using the right button on the folder, you are given the possiblity to open a command prompt box (dos box) with the prompt waiting in that directory. This is quite a time saver since you don't have to navigate yourself to that directory using those dreaded 'cd' commands.
This was one feature that I missed after I started using OSX on my power mac. But just a couple of minutes ago, I Googled for "osx finder terminal here" and got to an article that specifically targetted my problem.
And yes: it works great! No more 'cd' typing, just open terminal here.