No pro here either
I don't have raw yet but will use it for the following reasons
If I know that the photo is going to be a tough exposure, I am going to hit that very convenient raw button on the k10 to have more exposure room for future editing
If the shot is a very important shot like a wedding shot, I want to have the digital negative as a raw file. you see with a raw editor like photoshop cs2, you can easily change the color temperature in the photo, which in turn changes the mood of a shot. in wedding photography, a nice warm tone can make or break the mood of the shot
I agree with you though, most people, including a lot of pros, still use jpg but at the highest quality (lowest compression).
A thing to remember: with .jpg, every time you manipulate it, save it, reopen and manipulate it again, the quality gets worse.
so if you like to print the picture right from the camera without too much adjustments, then .jpg is more then good enough
what I do right now is this:
right out of the camera, I load the photo (on my case until I get a DSLR it is a jpg) into photoshop and without touching it, I automatically save it as either a .tiff or .psd image.
this becomes the digital negative, in case I want to ever need it again.
this stays in a separate part of the hard drive and is eventually burned on a disk for further use someday.
I then do the editing, the either save it to .jpg if I am posting to the web, or .tiff for printing.
this uses more hard drive space, but once you change something and want to go back, you can't unless you have that digital negative backup.
cheers