I'm French. I can tell programming is downright painful in Azerty, so I end up buying Qwerty computers and use the "switch to International US" shortcut whenever I need to write French. On that one, quotes and double quotes become accents and tails on letters. You can even put an accent on "l".
I'm German. Same thing, I buy US layout keyboards (often paying a premium for import, boo). I long ago retrained myself to the US layout because for programming and system administration localized layouts are hell (the / is on Shift-7 and the parens are offset by one, useful stuff like semicolons has been pushed outwards by useless Umlauts).
On the rare occasion I still write in German, I use OS X' fantastic compose key feature: ⌥u makes two dots and any following key is then converted to an Umlaut, so ⌥u + u = ü, ⌥u + A = Ä.
