A good friend of mine has been recommending flickr.com for a while and I set up a site with public pictures of Sedona, my family, etc..
Flickr is close to "desktop application functionality". Since I use so many different computers for my work, I like relying on web apps like flickr, gmail, del.itios.us, etc. And with all of my work and writing materials stored one of my servers with CVS, I have the freedom to work just about anywhere.
For just about anything I do on the internet I have sufficient bandwidth. I do look forward to improvements in reducing network latency that will make using web portals and web applications even more compelling. There are drawbacks: for example, saleforce.com had a recent outage that affected some customers for a while - that is the drawback to outsourcing your business infrastructure. Still, I think that the convenience of well implemented web portals trumps any sporadic access problems.