Actually SmartFTP is free for personal/educational use. (Unless they changed it) One reason why I really liked it. The stability for XP was great too. Not so great for Vista when it first came out.. I'll have to give it a try again. It really is a good program.
I've used SmartFTP (Till I bought Vista <- IT WORKS....) But since then I've switched over to FireFTP which I like a lot. I have XAMPP as my testing server, Dreamweaver as my editor, then I just upload using FireFTP to my web site. Been doing this for a few months and I've had no trouble. I like the fact that I have an FTP "program" in my browser. Combined with PortableApps I can edit my site from just about any where I go. Works for me! All IMO