As far as google is concerned, keywords in meta tag are out. But, theres still other search engines and indexing services that use them, probably. so dont disregard them just yet, but dont spend hours agonising over them either.
http://googlewebmastercentral.blogspot.com/2009/09/google-does-not-use-keywords-meta-tag.htmlDescription meta they say isn't really used either, except for snippets in the search results, which I read when I search, so better to make them snappy and inviting because they are seen by people. descriptions should be unique to the page.
Whats also scary is that I read that google now takes page load time into account in rankings.... uh oh for large image heavy sites. but hopefully competitors sites are also of similar size, eg photographers would all have big images, right?