@Bill I agree there's nothing wrong with using the terms in the right places and even several times when it makes sense.
@Vangogh - yup I exaggerated to make the point how writing text for the engines and not for the customer kills the whole point of having the web site. Write your headers and content for the client. Lead them where you want them to go with artful words and layout. After that - if it is possible to tweak the text a bit to make sure Google and other SE's truly understand the theme of your page - great. Otherwise IMHO (and I know you probably feel the same based on prior posts of yours) SEO takes a back seat to customer needs.
Edit - oh - and I did some keyword stuffing on baseball issues so this page would rank highly in MSN for baseball hats...
Bookmarks