The Plugin Site

virtualPhotographer
http://www.optikvervelabs.com/

virtualPhotographer is a Photoshop compatible plug-in
that allows you to create a variety of photographic
styles with the greatest of ease.

virtualPhotographer features many presets, all of
which can be fine tuned to fit your requirements.

Effects such as Film Grain, Soft Focus, B/W, B/W tinting,
High Contrast etc. are all just a click away.

No more struggling to get to grips with the steep
learning curve of your photo editor. Great results
are just a mouse click away.

You are sooo right. A free plugin and it works well. It can save you time and trouble. Gives some very neat results.
www.optikvervelabs.com
to download a copy
Photofix