Hello and Welcome to Android Forums, infrasonic.
At this point, I'm not sure what all I'll be using my phone for so I don't know what to load on it.
That kinda says it all. Until you decide what you want to do, then it's almost impossible to recommend anything. That said, people find a file manager app helpful if your phone didn't come with one. Astro or ES File Explorer are commonly used. Angry Birds is probably on everyone's phone at some point, too
I currently have about 90 apps installed on my daily driver (Samsung Galaxy S2). If you want to browse my list it's here