Hey Lou,
Yes, XLD is a nice ripper/fomat converter, but all the other programs mentioned (except possibly Songbird, which I've not used myself) all fall far short on the library organization/management end of things -- very much a manual operation and mostly limited to playing pre-assembled playlists.
Maybe this is ok for you and others, but I typically listen to albums, not playlists and vastly prefer a library in tree form and sorted by Artist, album and track, which I know is not everybody's approach.
-- Jim