I've been trying to get used to click-to-focus recently, seeing as focus-follows-mouse is relatively unpopular across GUIs and I've not seen any evidence that either is better.
The most annoying thing about it is that new windows (Netscape, for example, which takes a while to start) steal focus from the terminal I'm typing in. One can turn off focus for new windows, but that's not quite right when you're not doing something in another window. The best solution would give the window focus if typing wasn't currently occuring in another, I would think. Opinions?