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If you've been using the Excel Web App Technical Preview, you won't be surprised by the version bundled with SharePoint 2010. There's very little difference — apart from the SharePoint wrapper around the service.
Office 2010's Protected View is a sandbox that helps reduce the risk of malware propagating through emailed and web documents. It's not just for the new Office formats, either — common formats like RTF are handled the same way.
The SharePoint hosted OneNote Web App includes access to online clip art that you can use in your documents. As in the native application, you use the ribbon to open up a pop-up with the images all ready to add to your files.