Hey,
I don't really rate my music, I just click love on my favorite tracks, and I am sure there are some who do it like me. Now, sometimes there's an album I would like to give the love rating, as it's not the individual tracks I love but the album as a whole. Also I could have an auto-playlist which shows all my favorite albums. The "love" for an album obviously wouldn't mean a love-rating for all the titles contained in it, and it couldn't be synced to last.fm. What do you think of the idea?