2 chat windows.
1 covers actual chat I care about while doing some serious adventuring/raiding, i.e. say, shout, tells, group, raid and guild chat.
The other stuff you don't want pushing off chat or visa-versa goes in the second window.
In my case I've also split the second window into several tabs - Combat, Spells and Pets, Channels, Loot. What's displayed in the second window depends alot on what I'm doing at the moment, but its something I want to refer to frequently without having to click a control and also don't want interfering with my regular chat stream.
Absolutely a personal preference that has little to do with experience. I've been Raiding pretty hard core since EQ1 Luclin. I could live with 1 chat window if I had to... but I wouldn't like it.
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