I probably tend to go overboard....but here is my rough workflow;

1. All shots taken in RAW + JPG mode

2. Transfer files to computer

3. Review JPG's...weed out (delete) undesirable RAW/JPG's

4. Further review of JPG's...

5. Import the RAW files of the final "keepers" from step 4 above into Nikon Capture (RAW editor)

6. Basic tweaks in Nikon Capture...usually only exposure and perhaps WB or color space

7. Save tweaked RAW from step 6 above as TIFF

8. IF NECESSARY....Import TIFF file into noise program such as Noise Ninja or Neat Image

9. Save processed  file from 8 above as TIFF again

10. Import file from 7 or 9 above into PS or similar program for "final" adjustments such as curves, saturation, artistic mods, borders, resizing and sharpening.  Sharpening is best left off in cam and done as the FINAL step in the process.

11. Save a  PSD file of your work...A big tip here...save  a PSD of your FULL size UNSHARPENED image.....THEN also save a PSD of your resized/bordered/sharpened image....then save as JPG for web or TIFF depending upon final use (web, print or stock).
    That way you can always go back to your FULL size PSD and make new alterations if you wish to go to print for example.

The amount of work in each step above is dependant upon the final destination of your image...(web use usually requires the least amount of work)....and how picky you are...

HDR images require a few additional steps....both in image acquisition and software workflow.

Again, the workflow above would generally only apply to perhaps less than 20% of the total acquired images....but, that's because the other 80% of mine end up in the trash bin.....

In youth, we learn....with age, we understand.