I've made it multiple choice since some people might do more than one depending on how they're feeling/which Amiga/whatever...
I personally use CrossDOS + Floppy disk, since most of the stuff is small, and I like cheap solutions
I also swap the hard drive when I need to transfer loads (like a new version of ClassicWB, loads of games etc).
EDIT: Oops, the 8) was supposed to be
: - can anyone change it?