I have used several different types of software. I think you need to balance what you plan on doing with what you can afford. For me, since I batch photos, Lightroom is a must. Very easy to make mass adjustments to lighting, white balance, etc. I then do finetuning of "art photos" or special effects with plug-ins in PS.
Looking to lower the cost of your software? Here are a few ideas:
1. Join a professional organization, like NAPP. They often include discounts at many popular websites. I have easily recouped the price of my $99 NAPP membership in free shipping and other discounts.
2. Have a school aged child? Do they have a photo ID? Go to Academic Superstore (
www.academicsuperstore.com). There they feature such deals and steals like Lightroom for $98.95. There are also some Lightroom/PS bundles.
3. Don't be afraid to e-mail the manufacturer and ask them to honor a show special or provide you with a coupon. It is a tough economy for everyone. Both times I asked, it took a few days to hear back, but I received a "yes" that the manufacturer would honor a show special or expired (yes your read it right, expired) coupon. My two e-mails, which cost me nothing, saved me $75. (Of course, Sandy, my hubby spent this on the Propane)

4. Finally, if you are looking to load photo software on your several year old laptop or computer...STOP. It may not work right. Lots of these programs need lots of RAM. You may want to consider getting a new computer loaded with the software you need. Locally, I have found that affordable customized computers designed for photographers can be obtained from Doug Williams at Allied PC Tech 610-434-4634,
doug@alliedpctech.com.
Enough of Judy's money saving tips for the night!