@jjans:
TOOLS:
programs you need for proper configuration, handling of your amiga, filesystems etc. e.g. HDToolBox, Format etc. Without them u couldn't use your computer after all.
UTILITIES:
programs you don't need but you still want to use sometimes, you also could call them gadgets or similiar. They offer some kind of service, e.g. the clock displays the time, mysticview shows pics etc.
APPLICATIONS:
Apps are big(ger) programs for helping you to solve certain tasks. e.g. a graphics application for creating graphics, a word processor for writing documents etc.
(at least this is my definition for the things ;-) )
regards,
tokai
