On 5/31/11 I took a class with Lynn Kinnaman worksbydesign.com and while there were some technical difficulties it was useful to talk to someone with some experience using the two versions of wordpress. One important thing I must keep in mind is the difference between post and pages.
For my purposes, I will download the wordpress app through bluehost into the client’s account and work on it there. With wordpress.org, you can purchase premium templates that look quite nice. Recommended plug-in sources: ithemes and genesis. And it is in the template plug in that you can adjust the keywords and tags for SEO.