What does everybody here use for SVN on Windows? I've been playing with SmartSVN and TortoiseSVN, but I'm finding myself to be really stupid when it comes to these things.

All the documentation I've read is very very helpful for checking out an SVN repository, but none of it's very helpful on setting it up initially in the first place. Start with an empty directory, set it up as an SVN, etc... well, my SVN on sourceforge doesn't have any files in it to check out, so....
-m