I personally like 100% thumbs... and text is for the lazy... they say its for the SEO, but its because they don't want to spend hours cropping thumbs... when you can just import a URL and description and be done with it in 5 seconds.
And the arguement that text is better for SEO is absolute bullshit too... you can SEO a thumb site as good or better than text, because you also get the added benefit of Google Images and the traffic that comes from that, if you ALT and TITLE your thumbs properly...
Just my
