Twisted

Mainchat, Combat, Loot tabs in one window.
I have another mouse-over hotbar with potions, symbols and stuff.. :P

Ipum

hey twisted, you have mail

motu

Here's mine:

Emanji

for general combats, you can pretty much make do with 5. 4 if you're a neat freak.

Xanoth

I like using blank space to group different speels and items together too much to ever not have all 10 hotbars showing =/

also gives you a bit of visability at the bottom of your screen

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Verox

Here's mine