After I've played around more I've revised my top 5:
1.
Home++ - Awesome home replacement app that adds a powerstrip, up to 7 screens, option to hide notification bar, looping workspace so you can keep scrolling one way to get back to home, etc. Still in beta so occasional force closing. Also includes animated flip clock/date widgets, which actually flip. FREE, LOTS of updates/dev support.
The shortcuts you see on the powerstrip are customizable and the ones you see are [Phone, Favorite Contacts, App Drawer, Bookmarks, Notification Pane, Task manager]
2.
Financisto - I had this on there before, great app that allows for you to keep a check registrar for multiple bank accounts, assets, liabilities, credit cards, etc. Allows for transfers between accounts, categories, project labeling, GPS labeling of transactions. Also lets you set budgets based on categories and see reports of where your money is going. FREE, regular updates, responsive developer.
3.
SMS Popup - When you get a text message, it pop ups with the message and allows you to close, reply, delete, quick reply (using voice commands, presents, or simply typing), and more. FREE, regular updates.
4.
Pure Calendar Widget - A nice customizable calendar widget that allows for different size widgets that can be skinned. I think it is around $2.24 in the marketplace.
5.
Bettercut - Just purchased this and it allows for pretty much anything to be added as a shortcut and allows for changing of label and icon. Costs around $2.16 in the Marketplace.
Also check out
apporganizer, it's a nice app that has similar function to the folders that are built in.