"It isn't the opening of the file that cause problems, it is when it is changed, and then recompressed to SAVE again."
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Ahhh....so if I open an original jpg, and then immediately "save as" a new file to actually work on...the original will not be affected...correct? (Using PS).
You are still not getting it
all. Yes, the original will not be affected, but by
imediately saving it as a new file, you have
imediately re-compressed it and thus
imediately degraded the file you intend to work on.
If you are going the shoot jpg; chose the largest file size (SHQ), then store that file unchanged as it comes off the camera (the original). When you work on the image; open the original, make adjustments, save as new file(s).
In one Photoshop image work session you can first make levels/color/contrast adjustments until image looks the way you like; then re-size for web, sharpen for web (un-sharp mask), save for web, now go back to the step before resizing, crop for 4x6, re-size for printing, sharpen for printing (more un-sharp mask), save for 4x6 printing, back to step before resizing, crop for 5x7, re-size for printing, sharpen for printing (possibly even more un-sharpening), save for 5x7 printing, etc.
All of the above adjustments are made to the original file and saved only once. If you decide to make a cropped (zoomed) 4x6 that is different from the 4x6 made above, the best image will start from the original file. If you use the above finished 4x6 file to crop, re-size and re-save, that image would have reduced resolution compared to the first 4x6.
The reason for tif (or psd) is to save the levels/color/contrast adjustments without loss, so when making later crops/re-sizes you do not have to do the adjustments again. The benifits of un-compressed file formats (raw, tif, psd) depends on the individual user, as many users do not not spend that much time or effort on their images after downloading.