If you install WSS then you will only see one work flow that is three-state workflow. But with MOSS you
will see 4 more workflows which cover almost all the scenarios you will ever need for a workflow.

Workflow name |
Description |
Approval |
Routes a document for approval. Approvers can approve or reject the document, reassign the approval task, or request changes to the document. |
Collect feedback |
Routes a document for review. Reviewers can provide feedback, which is compiled and sent to the document owner when the workflow has completed. |
Collect signatures |
Gathers signatures needed to complete a Microsoft Office document. This workflow can be started only from within an Office client. |
Disposition workflow |
Manages document expiration and retention by allowing participants to decide whether to retain or delete expired documents. |
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