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Some, like me, just collect them, not to use as wallpaper but for being able to find the pic later.
That said, my current wallpaper is this one. I didn't pick it for it being a girl, but in my opinion, this is a very nice picture, with the smoke, the brownish hue and the elegance of the woman. It has a classy feel to it (but that's just IMO). Some might use bombshell girls as wallpapers to start their day with a good feeling, some just like a cute girl, and some (especially the guys that use nude girl-wallpapers) are just a tad sad.