I have been using Skype now for nearly 7 years. It sure beat the hell out of then national telephone access rates here in Australia. I also regularly use it when I travel.
I use Skype Out to contact friends etc. I did try Skype In but due to people having to ring me @ my local (Sydney) number when they knew I was resident in a city 900 km away (Melbourne) it wasn’t a resounding success. They used to ring on my normal interstate number and ask why did they have to ring on local (for them) number. I always told them it was only a local telephone call for them. Mostly they couldn’t get their heads around that. So in the end I told them to get Skype and sue that, they did because they understood that