Blind HI surveys provide a census of galaxies in the local universe that is unbiased by their optical properties. Even the Arecibo Dual-Beam Survey with a sample of only 265 galaxies discovered many low surface brightness galaxies and one galaxy with no obvious stellar component. Overall the galaxies in this survey display a diverse range of gas-to-stellar properties. The environment in which a galaxy resides is shown to be one of the factors responsible for this diversity, but it is not the only one. Clearly there are other factors affecting the complex processes responsible for the conversion of gas into stars rapidly in some galaxies, slowly in others, and rapidly in the center while slowly in the outskirts in still other galaxies. Nevertheless, even the inefficient star formation observed in a large fraction of the gas-rich galaxies appears to be a significant contributor to the overall star-formation rate density locally and therefore an important driver of galaxy evolution that must be understood. We focus on a discussion of the stellar and star formation properties in a 21 cm selected sample of galaxies because it is these measurements that contain the most information about the nature of star formation in galaxies.