I'm amending my answer slightly. I did a little research to try and get my facts together and also to maybe help some people who might have no clue as to what we're talking about.
As you look through the view finder of my camera (Nikon D50) you see 5 rectangles, these are the AF points. Camera's vary from model to model (ie: Nikon D80 has 11, Canon 30D has 9, the new Nikon D300 has 15 and so on). From these points you can get upwards of 51 point AF area (on the D300) depending on which AF Area Mode you chose.
If you choose to use Auto Area or Closest Subject Area for example, the camera will choose which of the 5, 9, 11 or 15 areas have the main subject in them and focus there. Most times it includes more than 1 area (usually 2), thus giving 45 point or 51 point AF. This one I don't like. I think you'll find more images with out of focus subjects. Just my opinion though. On my camera this is the only AF option in AUTO or any of the preprogramed icon modes.
There is also Dynamic Area (Nikon) or Servo (I believe this is the term Canon uses) where you choose 1 of the focus areas, get a locked focus then as the subject moves the focus point will track and move to the appropriate focus area. You can initially choose the point you first want to focus on.
Then we have Single Area. This is the one I use. You choose which area you want to focus. If the subject moves you have to refocus. Really not a big deal as you just 1/2 press the shutter again. As I said in my other post I mostly find myself using the top middle or center point most of the time (both with the camera in horizontal or verticle position). I don't use the bottom middle very often. Looking back at the first few hundred pictures I took many of them are slightly out of focus or at least the subject I wanted was out of focus, but another section was in focus. My camera defaults to Closest Subject AF area. I get much better results now that I use single area and select the area that I want, not what the camera thinks is the right area.
Everyone has their own preferences. I've found it no big deal to change the AF points with the selector on the back of the camera. Its a bit akward to move my thumb up an inch or so to press the AF lock button.
This subject has come up quite a bit recently between some other friends and a few family members of mine. Using the center point and locking the focus by 1/2 pressing the shutter, then recomposing slightly seems to be the most used by other people I know.
I hope I didn't confuse anyone. I know most of us here already know this, but I wasn't completely sure on some of the termonolgy. I find if I research it, then type/write it out it helps me remember it more. So thanks for reading, even if you already knew this stuff.