cats_five, thanks for the info. Do you have any to share?
You are quite right about the ISO on modern cameras, and it depends ultimately what you want to do with them. However, I find that whilst ISO 1600 out of the camera can be acceptable, by the time you've edited them (sharpen, contrast, saturate for a bit of colour) then you introduce more grain. Therefore the less you start with, the better! Particularly if you like to publish them, or have them printed. If you're sticking them on the internet i.e. facebook for friends to see then it doesn't really matter too much about which ISO you use and I agree you may as well go higher to minimise the risk of having a bunch of blurred shots.