Or a toaster oven, or both? Or do you just use the regular oven or something else for your toasting needs?
Stove, microwave, toaster: I has them.
Toaster oven: I has not.
I use a traditional toaster for most toast. I use the griller (I think this might be known as a broiler?? in the US) for cheese on toast.
Toaster oven. I no longer have a microwave. Got rid of that when the last one died and I realized I hadn’t used it in 6 months.
My toaster oven broke during my last move and we never got around to replacing it. I toast toast on the stove top now. Medium heat for about 2 minutes per side. Works nicely.
I don’t eat bread or things with crust (pizza, pie), so there’s not really much to toast. I have neither a traditional toaster nor a toaster oven.
I have a toaster but often just use my stovetop griddle since it’s usually already hot anyway.
I have a toaster. Depending on what I’m doing, I’ll use that or the oven. Toaster is really good for heating bread out of the refrigerator (kept there to extend life).
Usually I use the toaster. Sometimes I like to use the skillet, especially if it has already got some bacon fat in it.
I have a toaster, but I don’t like toasted bread, so I don’t use it. I keep it for the once every two years time when my parents visit and they want toasted bread.
I haven’t had a regular toaster for years — not since I discovered toaster ovens. You can toast in them —and cook things! Win! My mother loathes toaster ovens. She sees them as something to clutter up the countertop and won’t hear of my tales of how useful they are. Lo, even when she saw me baking a whole chicken in mine.
She also bears an irrational hatred of food processors for much the same reason — except the idea of its various parts sends her into orbit. “Too much to wash!” she exclaims. Yeah, it’s so hard to drop the cup, lid and blade into the dishwasher!
I guess my mother has irrational appliance prejudices, which thankfully I do not share. 
I love my toaster oven. I never owned a regular toaster and when I needed to toast something I would either have to use the broiler or a dry skillet which was usually not worth the trouble. Then I got a toaster oven for free from a friend and it’s the best thing that ever happened to my kitchen. It’s like one of those gimmicky “As seen on TV!” appliances only it actually works.
We have a toaster oven and use it often… for toast, more than anything else. A lot of stuff goes in the microwave nowadays.
Obviously, I use my oven. Not usually for toasting though.
If I’m making toast/English muffin/Bagel, I use the vintage Sunbeam toaster I bought from Goodwill a couple of decades ago. (Same as this one.)
The convection toaster oven gets more use than the regular oven, and is often used in conjunction with the toaster; specifically, for Vegemite toasties. (Toast an English muffin in the toaster. Spread with margarine and Vegemite. Top with cheddar cheese. Put into the toaster oven until the cheese is melted and just turning brown.)
Sometimes I make toast in a cast iron skillet, if I’m using it anyway.
I have a toaster oven. Like most cheap toaster ovens, it is not stellar as either a toaster or an oven. When I have the funds to replace it, however, I don’t think I’ll get a toaster…I think I’ll get a better toaster oven - a convection model with that cool infrared thingumabob.
I just don’t have the counter space for a toaster and a countertop oven, and I know that we’re too lazy to take the toaster out only when we need it. Since toast in this house is mainly a vehicle for obscene amounts of butter, it really doesn’t need to be great toast.
I have a traditional toaster . . . and I never use it. It just sits there, on top of the refrigerator, collecting dust and cat hair.
I have a Euro-Pro convection toaster oven that I bought in 2007. The reviews on the link run about half-and-half five-star and one-star. Personally, I’ve had no trouble with it at all. When and if it does eventually crap out, I’ll see if I can find an infrared one. But I’ll keep using this one as long as I can because I find it works well. (But, as you say, not stellar just for toasting bread.)
I have both in one device. It has slots for toast, but you can close them to use the oven feature.
I have a toaster oven and make toast a couple times a week, either breakfast food or dinner toast.
I don’t use the “oven” setting so much, but may set a (non toast) item in it and toast it, and then just leave the item in there for a bit while the oven cools. That’s a good way to heat up pizza or chicken strips without using the big oven, or for things that would get mushy in the microwave.
I not only own a toaster, I own a new toaster, since its predecessor died recently.