Honestly, I've been using Ripple for a little bit. While it's got a lot going for it, best I can say about the client is that it is REALLY BETA. It has loads of problems and it's one of the biggest problems I see with it. Being centralized, even though it's "open source", I don't see as many enthusiasts contributing to the code. There really should be a QT-esque client for it. Very Payward.