Tab completion all the way. I know where I want to go 90% of the time. I can type it a lot faster then clicking. Plus my magic mouse tends to want to edit when I want to open. When I don't know what I"m looking for it's cmd-space for spotlight or good old unix find.
Plus I'm not a fan on how finder handles copying/moving folders. cp and mv work as expected in my head.
Granted I'm not going to open a terminal to move a folder from my desktop to my documents, but anything that takes more then a quick drag/drop I use the terminal.