I like using XML the most, i have used it a couple of times now, once you start getting your head round parsing it in your language of choice then you see its not really that hard to save, delete, create etc...

XML is also good if you want the user to be able to change the settings from that file, lets say there's an error in the application on load in a version where your error handling is not 100%, they can just change a setting in the XML file to make it all work again, rather than a reinstall or something like that.

Another good example is when you have different languages and the user is computer literate (Or has a user guide) and would like to change something in there language, say you have a button with the text "Exit" from the XML file, the user could change it to "Close" or something like that, which can be good as users like it when things are the way they want.

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