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.
Growing up on Win95+ until I switched to Mac got me used to the explorer/finder mouse methodology.
I use the keyboard a lot more on OS X than in Windows, so many useful shortcuts, and the fact that you can assign your own to anything really help with that.
Anytime I have to play with Terminal I am a little saddened, but it is useful for some things, like turbo-killing apps, deleting un-deletable files, and modifying .plist and ownerships, but past that I don't really touch it.