I've made a handful of PCBs, using Osmond on Mac OS X. This is the latest (click on the images for larger versions):
One of my concerns is that my solder mask is so far away from all the pads and holes. On this board, you can see how each side of the TQFP44 part (U1) has no solder mask in between pads. Many of the pads easily lift off the substrate when touched with the soldering iron.
Here's an example of a board where the mask seems to go all the way onto the pads (and between them):
Obviously, I have some spacing set a certain way in Osmond, but I don't know if that's required, or if I should be doing things differently.