Here's a little-known capability of Nautlius (the Gnome file manager): it can use SSH to browse remote folders.
To try this, open a Nautilus file browsing window (perhaps by clicking on your home directory icon on the desktop, or by using the Places menu, and then hit Ctrl-L (for Location). Type in a URI of the form ssh://user:password@host/directory -- for example, to go to my account at my office I could use ssh://chris@myoffice/. You can leave the password out (as I have done in this example) and have the system prompt you for it. The remote directory will be displayed, and then you can drag-and-drop files to copy them to/from the remote system.
If you double-click on a file, Nautilus will try to launch the appropriate application, but most applications don't know how to deal with ssh URIs. However, OpenOffice.org does -- so you can double-click on a remote spreadsheet and it will open locally. Since SSH is set up by default in most Linux distributions, and since it's fairly secure, this is a convenient and safe way to access remote files.