My eyes are light sensitive so I prefer to have my workspace setting at Med and background is light grey. I do well with black also. For now if have those lighter grey settings.
As for my toolbars, as soon as I get a newer version of PSP I make several new toolbars with tools I use a lot. These save SO MUCH TIME. I really should learn all the key commands. Watching these videos helps with that.
I also hide the palettes that I don’t use such as the Learning Center and the image viewer. I have my layers palette docked next to, not under, my materials palette so I can view more layers and have to scroll up and down less on larger projects.