I have 3, actually...I accidently voted for 1. The bottom toolbar has two just because I like the space, and sometimes it gets crazy with multiple programs opened at once for multitasking purposes....Plus I like to have the DateBar read Time/Day/Date rather than just the time. 
The third one is at the top of the screen. I always do this when I set up a system, it's just a habbit. I take the My Computer Icon and drag it to the top of the screen so I can instantly choose from all my hdds, optical drives and go to My Documents with a quick click. I feel naked if that's not there.