Thank you all for sharing your thoughts.

I suppose we all have to set our own threshold for total junk, thereafter it seems to hinge on whether we print or not and maybe if we hope to become more skillful with PS or not.

BTW saving layered PS stuff as .tif does not destroy the layering, but still takes the same space as .psd (at least with LZW compression it does, xpect Zip and RLE similar)