From my personal experience in the mid-90s:
Internet Access: AOL dialup, then university Internet access via Ethernet (required Trumpet Winsock and Kerberos)
Web Browser: Netscape Navigator
File Sharing: Usenet binaries newsgroups. Software was split into dozens of 1.4MB RAR files.
E-mail: Eudora at home, email via Telnet at Classic Mac systems scattered across the university campus
Video: QuickTime 3 with Sorenson video, streaming video via RealPlayer ("Buffering...")
Music: WinAMP was the first MP3 player to really take off
Productivity: Office 95 / 97 was pretty much the standard. Some holdouts still used WordPerfect.
Graphics: Photoshop 3.0/4.0, 3D Studio MAX 1, CorelDRAW 6/7
Personal computing was evolving rapidly in the mid-90s. In the span of a few years I went from AOL dialup on a crashy 256-color Windows 3.x box to high-speed Internet via Ethernet running on Windows NT, true-color 3D acceleration became standard, and writeable CDs made storage cheap. It was the most exciting time to own a PC.
EDIT: Oh, and I almost forgot this shifty-eyed little bastard:
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