I use
http://www.smugmug.com I have used photoreflect in the past, but that was geared more towards sales, so you probably would not be interested in that.
I really like the look of smugmug plus the way they handle the way things fit on a screen. It will autodetect your browser and screen size and the display accordingly. There are also tons of other nice little things that make smugmug worth the money. Like they give you links for forums in small, medium, and large display options. Plus tons of user control in control panels. If you already have a url you can redirct it to a smugmug page as well. You can also have private galleries just for family that is password protected...that's a pretty big deal for me.
There are three different levels, $39.95, $59.95, $149.95. The $59.95 level lets you customize the page more and you can uplaod video as well.
Here is the kicker UNLIMITED storage. You can upload gigs of photos and never run out of space. The traffic is limited but it is set very high...like 6 gigs. That's 90,000 views a month.
here is a thread on some nice customized smugmug sites
http://www.dgrin.com/showthread.php?t=27713
You can use coupon code 6bPSMkMYrhpVE to save $5.00 when you sign up.