Raw vs Jpg ?

Given that I have no experience with manual processing or any took with which to manipulate RAW files, I currently use the dual capture with HQ JPG files. I've thought of just capturing the oversampled 5mp image, but I enjoy the limited abilities of Nokia Camera for after the photo us captured a little too much.
 
Jpegs when I want a quick photo to share. Raw for tricky light conditions or where white balance is difficult.