So happy if only for Cmd-T to open a terminal at the given folder. I really appreciate having a navigation bar in finder, I used to do all my serious file browsing in the terminal. Now perhaps finder will actually have some use.
But Cmd+T seems much easier. :)
Go to: System Preferences >> Keyboard >> Shortcuts tab and select the Services list item. In the list you will find a section named "Files and Folders", which contains "New Terminal at Folder" and "New Terminal Tab at Folder". If you download 3rd party terminal replacements such as mine (MacTerm), you will see Services for those applications as well. :)