that's true - you can pop open a console window and voila - you've got an FTP client. Of course, to really benefit from this, you need to be pretty damn comfortable with the command line, especially if you're working with file names that are long and/or have odd characters in them.
A quick google search reveals:
Fetch
cuteftp
Interarchy
http://nolobe.com/interarchy/I am guessing that interarchy might very well be worth paying for. You can try it for free. I used it for a long time in the pre OSX days. Back then it was made by some hard-core Mac geeks in Australia. I'm not sure who's in charge of it now. But by all means give it a try.