I get pre-printed photo cards with a generic message "Happy Holidays Love, The Smiths." I usually write a personalized note to people we're close to on the back with a holiday colored Sharpie. For co-workers or people we've lost touch with, I just jot a quick sentence.
I do address mine by hand, but more because it iritates me to merge my mail lists and get the address stickers all lined up, etc. I usually just sit in front of the TV with a glass of wine and a cheesy xmas movie and write the addresses out, but I wouldn't be offended at all if I got one that was pre-printed.