Shawn, a couple of things:
Gotta have
WinPatrol - helps keep you alert even with processes that don't generate a UAC prompt (Is free, but also hasa paid version).
FTP client - WinSCP is good, but I also like
FileZilla. Fast, efficient, and has a portable version too (portable Apps).
For Password managing, gotta be
KeePass Password Safe - can be installed or run without installation, and there is a portable version as well, both U3 and Portable Apps.
Malwarebytes' Anti Malware - one of the better anti Malware programs with *active* development and multiple definition file updates daily (Is free but also has a paid version that offers real time scanning).
Recuva, a file undelete program made by the same folks as CCleaner.
Skype, for video chat and voice calls over P2P technology.
xplorer2 (lite) - my all time favorite dual pane file manager. (I personally bought the pro version because of it's features and portability....X2Lite is free, but the pro is not,)