layout css or tables

Ideally when you have learnt quite bit of css for layout i.e. you feel quite confident you would only use a layout in Photoshop as a mockup to work from. Then:
1. Export image (without slicing it) as a jpg or gif file.
2. Create a div, insert your text.
3. Style (CSS) both text and div as needed - remember to assign image as
div background
But of course, not all of us have the time or the background to do this (css apart from text is a bit of a learning curve), so we can use Photoshop to layout and then slice up work - then import into DMW. OK but if I was doing it in tables, I would do it from within DMW from scratch.
OH and by the way PhotoshopCS4 does divs (css layouts) from slices:
When you have made slices in Photoshop, you can save as Divs instead of tables GO File->Save for Web go through settings there, then go to save it, and save as images and html, blah blah... and then you will see a title "settings" with a dropbox next to it; if you select other, you will get a window go through those settings (like xhtml, prefixes, etc) but in the dropdown box that says "HTML" select "Slices" and then you will see "Slice Output" and it will be set as Generate Table, Select Generate CSS and reference it by id, and it will generate CSS and div tags... From there you can work on it. Great!