When dealing with small projects, what do you feel is the break even point for storing data in simple text files, hash tables, etc., versus using a real database? For small
For the kind of applications you are developing in bioinformatics, you are often doing one-shot applications (often scripts that define a workflow of calculations) that answer a specific questions, and you are not likely to be reusing these applications after you answered your question.
Often, you should therefore avoid creating databases to store the results, as after all you are not going to use their features very much.
You will probably be querying some webservices, files, or databases, run some local algorithms on the data gathered from different sources, and produce some tabular or structured output format (xml, json, etc).
For that, I would suggest you to use workflow tools like Knime (or a commercial solution like Inforsense KDE, Accelrys's Pipeline pilot, or Snaplogic, as they allow you to query data in a variety of formats and locations (rdbms, flat files, webservices), run algorithms, and build powerful web apps that allow you to easily publish your workflows to your users and let them interact at specific points).
If your prototype "grows" and you have to build more functionality on top of the data your workflows output, and if the output of your prototype is not likely to change everyday, then it's a wise decision to store a subset of the results in a database. This allows you to plug in powerful reporting tools like BusinessObjects, Crystal reports, jasper reports or whatever reporting solution available out there and show data to your users in a better shape than a spreadsheet or a csv file.
Finally, some development frameworks will make your choices more obvious : if you build a web application using an MVC framework, it is likely that your data will reside in an RDBMS (but please, don't put genomic sequences in a table column :-)).
All in all, it's a case by case choice, depending on your needs for each particular application.
In software I can usually get away with storing values in a XML configuration file or in the registry, e.g. software options. Once I need to persist objects I move to a database because the upfront cost is not that bad compared to the long term effects that relations and reporting can offer.