Homebrew PCBs

I am about to layout my first homemade PCB,
using Eagle 4.16 Light.    My circuit will 
include:

small transistors - 2N3904 and 2N3906
quarter-watt resistors
half watt resistors
small diodes
large diode
small LEDs
N.O. pushbutton switches

What size pads should I make for these components?
I read on the web that the ** minimum ** pad should
include a 5 mil annulus (ring) around the component
leads.    But I don't know what the diameter of the
leads are for these components.   So let me ask you
what size pads have you found to work well for these
through-hole parts?

Alan