I have a work email, a gmail account and a couple of ISP-based accounts that I've had for years. The gmail account blocks about 85% of spam, but blocks a lot of non-spam. The big problem is that the gmail account draws a tremendous amount of spam, so the volume of garbage to look through searching for the legitimate emails that were blocked is huge. Because of this, I have given up using gmail for anything that matters. Additionally, I consistently get gmail intended for at least four people who share my uncommon last name, two of whom share my first initial and two of whom don't. Some of this is quite personal and some is financial. The bottom line is that I don't trust gmail at all anymore. All I use it for now is getting grocery store coupons
My personal opinion is that webmail sucks. I know other use it happily, but I'm not one of them. Right now I'mm happy with IMAP, and I will probably switch to my own hosted solution eventually.