Hi,
This is what I use for FTP on my Mac, It is called Transmit:
http://www.panic.com/transmit/
I think they have a Windows version as well.
I'm very happy with it. Easy to use, simple layout. Never let me down even when I used my mobile phone to file pix.
Some of my colleagues use Fetch. Never tried this one though.
For thumbnail previews I use Photomechanic for Mac. It's easy to use and fast. There is an FTP function included in the latest version but I haven't tried it yet. Maybe worth considering for you.
I think Iview Media Pro has an FTP thing inside as well.
I do all the edit and captioning with Photoshop, then send the photos via FTP. The pix are usually moved quickly on the wire and that's it!
Best
Jerome