.. Tags are definately the way to go, I have so many songs with '?' and other characters which you are not allowed in filenames, it'd annoy me if the rio car was not showing the correct track name.... It's not that great an effort to add the tags afterwards (like suggestions above, MP3 Tag Studio & Tag and Rename)..although it's obviously a lot easier if you add them as you rip (especially if you use a ripper with support for cddb or freedb)...

Adrian