Either way, your master images should be the format you first obtained or created the image in. If the image came from a camera, the master should be the raw camera image. If the image was created in photoshop, the master should be a photoshop file.
Either way, your master images should be the format you first obtained or created the image in. If the image came from a camera, the master should be the raw camera image. If the image was created in photoshop, the master should be a photoshop file.
Keep in mind that many, many things produced by computers these days are photo-like, as the OP demonstrated with the icons, so this might not be the best rule of thumb. No argument that simple images should be PNG, but toss in a couple of gradients (which your HN screenshot does not have) and your PNG can start to blow up.
Linear gradients get compressed nearly as well as large areas of flat color. More complicated images, of course, are more difficult to optimize.
Basically, you cannot typically create PNG-optimized graphics automatically (yet). There are a lot of things you can do pre-save to help the compression techniques (and when they won't work, use another format and stitch the two together - at the cost of another HTTP request).
http://www.smashingmagazine.com/2009/07/15/clever-png-optimi... is a pretty good outline of it.
Edit: Even if you're OK with indexed color, the indexed PNG will still be smaller.
EDIT: You're probably right about the indexed PNG.