I was surprised at the 3 start average rating for CS3 - however I note it had a lot of bugs.
I've been using it now for 2 weeks and as of July 2008 it does appear many of the bugs are now fixed. Photoshop itself has never crashed - though Bridge has crashed a couple of times - but that's still quite a rare event.
What made the upgrade worthwhile for me, an amateur photographer, are the new enhanced RAW image processing facilities, the big improvements to Bridge and the smart selection tool which makes selecting complex objects very easy.
Definately worth the upgrade if your a photographer.
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