<p>How do you determine when to use <a href="http://www.iselfschooling.com/mc4articles/mc4cluster.htm" rel="noreferrer">table clusters</a>? There are two types, index and hash, to use for different cases. In your experience, have the introduction and use of table clusters paid off?</p>

<p>If none of your tables are set up this way, modifying them to use table clusters would add to the complexity of the set up. But would the expected performance benefits outweight the cost of increased complexity in future maintenance work? </p>

<p>Do you have any favorite online references or books that describe table clustering well and give good implementation examples? </p>

<p>//Oracle tips greatly appreciated.  </p>

I haven't used Oracle's table clusters myself, but I understand that its index table clusters are very much like MS SQL Server's clustered indexes. That is, the row data is physically organized by the clustered index's key.
That makes one ideal for a heavily-accessed column that has a reasonably small number of possible values (compared to the total number of rows), where most queries want to retrieve all rows with a particular value. Because all such rows are physically stored together, disk I/O, particularly seek time, is reduced.
"Reasonably small" is not easily defined, but postal or zip codes in an address table seems reasonable if you're often querying for all addresses in a single code's region. Province/state/territory codes are likely too small a selection for a country-wide address table.
So, you don't want to use them on columns with few possible values (e.g., M/F for gender) because then the clustering doesn't buy you anything and likely costs you for insertions. You also never want to use clustering on "autonumber" surrogate key columns (from sequences in Oracle) because that will create a "hot spot" in the last extent of the table as all insertions must physically happen there. You also don't want to apply clustering to a column value that will be updated because the RDBMS will have to physically move the record to maintain the clustered ordering.