Excellent post. Everyone should give it a go.
I don't have a polariser for my new camera and I've not used my old one for a while. For me, it was more a tool that I used until I no longer needed it.
Agreed. You really should dip your toes in Photoshop. It's true that you should do as much as physically possible in the lens and not the computer, but every studio-quality shot you'll see has been shopped.
For instance, this one is actually two photographs composited. I took the same photos at three exposures and the background (the ice on the tray) is taken from the lower exposure. I didn't use anything from the higher one. While blending the two layers gave me the effect I was after, a hideous amount of shopping was required to get the image I wanted.
This was what came off the memory card: