I found information about .bashrc and .bash_profile here to sum it up:
.bash_profile is executed when you
login. Stuff you put in there might be
your PATH and other important
environment variables.
.bashrc is used for non login shells.
I'm not sure what that means. I know
that RedHat
executes it everytime you start
another shell (su to this user or
simply calling bash again) You might
want to put aliases in there but again
I am not sure what that means. I
simply ignore it myself.
.profile is the equivalent of
.bash_profile for the root. I think
the name is changed to let other
shells (csh, sh, tcsh) use it as well.
(you don't need one as a user)
There is also .bash_logout wich
executes at, yeah good guess...logout.
You might want to stop deamons or even
make a little housekeeping . You can
also add "clear" there if you want to
clear the screen when you log out.
Also there is a complete follow up on each of the configurations files here
These are probably even distro.-dependant, not all distros choose to have each configuraton with them and some have even more. But when they have the same name, they usualy include the same content.