I find frames a nuisance and I am not (with regards to being able to use my computer or navigate the web) in any way disabled.
My disliking of frames comes more from a convenience/usability perspective. I make heavy use of tabs and I find that frames cause significant navigation problems for me when using the API documentation for Java and (more recently) Actionscript 3.0.
They both mave a very similair 3-frame layout to the documentation presentation and they are both a complete pain in the jackside.
If I open a page that documents a class in a new tab, I lose all navigation to any class that is not a super-class of the one I am currently looking at. It's a complete nightmare and causes me to need to keep far more tabs open than I would otherwise need.
Frames can--on the very rare occasion--be very helpful, but as far as I'm concerned they should be avoided unless there's a very good reason to use them.