personally I think it depends on what access your need for your VLANs, if you only want local access then access layer is good enough, if you have servers that you VLANs need access to and the server is at the distrub layer then you are going to need to give some VLANS access to the distrub layer of the network, have you considered VTP at all? STP is normally on by default... what do you need to know about STP?
Stelly