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I really like Quassel. It's main model is client-server (you install the server component somewhere and it'll stay online, bouncer-like, and you can connect to it from multiple clients), but you can use it in a standalone mode too. The main client runs Linux/Windows/Mac, there's one for Android too.

I just use Thunderbird... It "just works" for email IRC and RSS - and it's very consistent btwn platforms. Maybe I'm missing out on some secret IRC features?

Is unrealircd not decent? That's what I used to use.

KVirc is pretty nice on Windows and Linux, IMO.