With all due respect, there are issues with FroYo. BUT, they are issues that should be expected with running a RC of the OS, not the official release. Market app issues, apps not yet compatible with Froyo, there was a resolved issue with MMS, reboots / crashes, and the list goes on.
To the OP, the choice is up to you, and you alone. Personally, I have 2 ROMs I switch between, one is 2.1, and the other is 2.2. If I am doing something I need stability on, I load 2.1, if not, I am always running 2.2.
I enjoy the latest OS, even though it is just the RC. Your wants and needs from your phone may differ though.
What I did before installing Froyo was make a complete backup of my 2.1, when the 1st leak came out, the issues were to much. I backed the 1st froyo up and restored my 2.1
It is pretty easy with SPRecovery.
When the official release comes out, I will go back to 2.1 and upgrade from there as I have a lot of stuff set up on that build. For now running the 2nd leak of Froyo, with all the fixes and it is running great.