I guess I'm a cheapskate.
I live in Florida and my tap water runs at between 78 and 80 during the summer months. I use an immersion chiller to get the wort down to 80. Takes about 15 minutes or so. I then move the wort to my fermenter, put the airlock on and set it aside. On brew day, and when I have fermenting beer in the house, I set the thermostat to 68. I pitch my yeast the next morning when the wort has had enough time to get down to 68. This has worked very well for me, and it allows me to wait for the yeast starter to finish.
I've thought about buying a plate chiller, or another IC and doing a pre-chill, but I'm too lazy and cheap I suppose. Maybe some day, but for the time being, I'm going to keep things as simple as I can.