David Taylor
I use mostly Paint Shop Pro, which is a low-cost program, not requiring a recurring subscription payment, and the excellent Kolor Autopano Pro for combining multiple images. Image management is with PIE (Picture Information Extractor). Free software I use includes JPEGcrop (lossless cropping) and GeoSetter for geo-tagging.

I very rarely take RAW, preferring to get the exposure right in the camera. I run on Windows, so some of these packages may not be available for your OS.