The whole reason that I set up a launcher (ZLauncher) is for the Tabs. I always use my tabs and in the default launcher, I was annoyed that if I wanted apps on my card, I couldn't categorize them where they fit.
My tabs are: (and I don't hide any of them)
All
Communication: (Avantgo, VersaMail, BT)
Games:
Main: Usually ROM type progs that I have linked elsewhere
Multimedia: (music programs, media, cam (Zire 72))
System: system apps like prefs and the keyboard control (also put my "adult" progs here to keep away from prying eyes
Unfiled: usually kept empty, unless I'm checking it out and good chance of deleting it