a4phantom: Regarding the work boat vs worker decision, well obviously it depends a little on the situation.

But,
generally speaking, 9 times out of 10 when I am in this situation I find it more useful to build the work boat first. A big plus is that when you do things that way, the worker will build faster (providing you are working the fishing boats tile with the extra food, which you should be). Plus you'll be growing as you build the Work Boat, which you won't be as you're building the Worker. So you are saving turns, most of the time.
The only occasion I can see where it might be more beneficial to build the worker first is if there are
multiple excellent land resources in your capital's radius. For instance, I'm thinking that two Cows would warrant such a thing... streamline to Animal Husbandry, make a Worker your first (or second) build. Likewise two Wheats would also be good. If the resources are of different types (eg one Cow, one Wheat) then it isn't quite as useful to build the Worker immediately since you usually have to research multiple techs to build the tile improvements.
But really, as you can see, it's pretty situational. Just do what you reckon is best, it's probably better to use common sense rather than to just apply a mathematical formula to every new game (which would be tremendously complicated anyway).
I also have a quick question: Can anyone point me towards a good JPG -> Civ4 Map converter? Preferably one that works for Warlords too? I'm aware that such things exist, but I can never seem to find them!