I've found that, counter-intuitively, a fully accessible GUI program with a good GUI screen reader is easier to use than a screen-oriented terminal program with a screen reader. The trouble with the latter is that the user has to understand visual concepts like highlighting, the meaning of special characters, etc.
Of course, an application or plugin that's tailor-made for doing a particular task with speech output is better than either of those other choices -- as long as you don't have to use an application that's overall inferior (e.g. using the Emacs/W3 web browser with Emacspeak as opposed to a mainstream browser).