Frontpage and Dreamweaver both come with capable basic ftp plugins which function fine and help me remember to upload my files instead of keeping them just locally (on my machine)
As lisa said FileZilla is probably the best out there and for a typical webmaster you wont need to chmod anything unless your installing a CMS or a forum etc which has its own installation paths.
I have officially switched to fire ftp thanks to the person who sent me the link its great a functions just as well as Filezilla.
Oh and depending on what host you use they some times have a built in ftp uploader which runs of Java and is completely free and can change permissions etc so that's also another option at your finger tips
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