kent, maybe i have given my finder a little help. I do regular maintainance work like prebinding, diagnosis & repair, defragment & optimize, etc. I also moved my swap file to one of my external disks with lots of space on it, I tinker with my prefs, and i utilize a few haxies to make things work in a familiar way. I will admit i am doing better than the 'out of the box' experience.
I know many people seem to dismiss my harping on defragmentation speeches, but it really does keep your system running zippy. and it is so much easier than reformatting and reinstalling and reupdating. Just start it when you go to bed and it is done when you get up the next morning. (ok, my 80 gb maxtor takes about 12 hrs, but i don't do it but about once every 3 months)
i am sure there are things the finder does that could improve, but they must not be things i do very often.