When shooting MF, I make contact sheets every time. For 35mm TF I find the contacts too small to bother with, but 645 an up is big enough that you can actually see whether it's worth the trouble to enlarge that negative.
Since I only scan individual frames I have no need to make "electronic" contact sheets, but I do know that IrfanView does that nicely. Incidentally that's the same program I use for making html albums like my home pages, and also for all finishing processing such as resizing and colour adjustments before posting images here.
You reading this, Nicole?