Right now I only have the VM that was available on tablet-dev.nokia.com
Info can be found here:
http://maemovmware.garage.maemo.org/2nd_edition/

Sadly enough it doesn't include the qt toolchain, afaik. So I'll manage to get a good toolchain in that VM, then my whole VM can be a SDK ready to be used and host independent and easy to back up.
I also think it's clean to have a VM incase of emergy or for setting up quick. Creating and killings VM is much easier than real machines. A