I got Fantasy Grounds II in Monday and have spent the last couple of days playing around with it and Campaign Cartographer 3.
Neither are particularly user-friendly, but they do seem powerful.
I'm a little disappointed that I can't find any complete example adventures for Fantasy Grounds. I was hoping to use it with my players this weekend, but I simply don't have time to write something that complex up right now. There was at least one on their site for Fantasy Grounds 1, but I think it may simply be too new to have any real support.
My biggest complaint, however, is that it doesn't have a real character generator. It comes close, but you have to wonder why they didn't go the extra step and link the class abilities, skills, and feats.
Campaign Cartographer is a neat program, which I have previously used myself, but it can be pretty tough to figure out. This is made worse because people who are more used to photoshop or paint will struggle to get to know all the various new tools and less-than intuitive controls.
Still, once you get used to it the results can be very nice. I'm not that great at it, but I've seen some people do wonders with it.
Both are good, but seem flawed in significant ways. I would have liked to see something a bit friendlier to the average new user.