This time it’s PolyEdit. Although the free version is only for personal use, it seems to have everything you need in a free one (except the ability to check for updates from the program). Although the interface seems a bit too much like Microsoft Word for my comfort, it’s fairly easy to use and has tabs (I like tabbed word processors.)
I also like the ability to change text to uppercase or lowercase, and the way they use templates (it has its own “Templates” menu where you can save them and use them.)
Altogether a pretty nifty one.