For just about everything these days I shoot my Nikon at +0.7 exposure compensation, +1 tone, +1 saturation, +1 sharpening. I almost always use matrix metering (rather than spot or center-weighted) and dial in exposure compensation to adjust for different conditions. I change modes a lot but spend most of my time in aperture-priority, program, and manual. I shoot JPG almost exclusively except when I’m really paranoid about getting a shot.
Out of curiosity, how about you? What are your favorite “everyday” settings?