Do you mainly use anchor() or <a> html tag?

[eluser]keld[/eluser]
I find it rather annoying using the anchor() rather than the html <a> tag, how about you?
anchor makes the view much harder to read, specially when you have complicated urls with lots of variable and you want to add titles, classes ect to it.
Also you can't embed images in a anchor tag, which is a main problem, unless you use a custom helper but so far I haven't found any that suit my needs.
I'll be interested to have other opinions.
Thank you.