I really like the UPEK fingerprint reader. It's USB, can be used to store passwords for firefox and IE and it works really well. It has SDKs. It takes less than a second to authenticate to it. It works on the PC and Macs. On Windows, unlike other software I've used, you don't have to press ALT+CTRL+DEL (even when you're domain joined) to login/unlock with your finger. It looks pretty too. If all that wasn't enough... it's only like $45.
I know you said that the microsoft reader was out.... but I just want to underscore that I would really avoid that reader if you have anything remotely sensitive on your computer. It's really not secure at all.. even microsoft says on their product page to not use it for anything sensitive.
However, fingerprints are less secure than they're made out to be. Mythbusters did a segment on fingerprint hacking. While their experiments did span the course of three days... they still proved that with enough time a fingerprint is definitely hackable. If you need any degree of security, you're better off using a two factor authentcation: password + fingerprint.
Of course, if someone has physical access to your computer... it's pretty much already a moot point anyway....