My settings:
User1: RAW, max sharpening on jpegs - useful to quickly check the focus while chimping - review zoom is set to 100% and I usually use the middle point or auto 9 points for the AF so the focus area most likely will be somewhere near the center, AFC + back AF
User2: RAW, wireless flash configured on ch 3, back AF
User3: JPEGs, just in case, proper sharpening and colors, AFS + AF on the shutter, very useful if someone else wants to take a shot, no explanations needed
but I like fgaudet's settings, they make sense.