well when I bought my tablet it came with Adobe Photoshop Elements 9 (which lacks pretty much everything so I rarely use it), sketchbook express, and corel painter essentials 9 (didn't come with brushes surprisingly! I had to download them, but the brushes don't work on layers other than the 'canvas' layer which deems them almost useless). Then I got a free program called FireAlpaca; it includes very basic brushes.
so all in all I'm limited to a lot of useful tools like blending and good brushes. the lesson? buy good programs so you don't get jipped. XD
Im also kinda cheap when it comes to my 'pen' because it came with really soft nibs and I really don't want to buy more unless they aren't as soft so they last longer. that's why I don't use sketchbook at all because I can't use the back as a pen (same thing for photoshop).