Personally I'm using the following setup:

"Contacts" panel:
http://share.ovi.com/media/mmurfin87...murfin87.10011


"Media" panel:
http://share.ovi.com/media/mmurfin87...murfin87.10008


"Web" panel:
http://share.ovi.com/media/mmurfin87...murfin87.10003


"Utility" panel:
http://share.ovi.com/media/mmurfin87...murfin87.10007


The Web panel and the Utility panel are probably going to go through some revisions because i'm not quite happy about the separation of functionality. I'd really prefer to have a Web panel, Utility panel, and a kind of PIM panel, but then I'd be over the 4 panel limit.