I would say having logically named directories and a strict HIG could solve this. When I hit "Save" on a Mac, the file picker shows me a field where I can type

I would say having logically named directories and a strict HIG could solve this. When I hit "Save" on a Mac, the file picker shows me a field where I can type a file name, and a drop down where I can choose between "Documents", "Pictures", "Movies", etc. or the last directory this particular program saved a file to. Most of the time the application will even pick a sensible default location. Only if I click the small arrow at the right of the drop down to I see the advanced file chooser. On Windows, when I hit "Save", I get the advanced file picker by default. Unless the application is smart enough to set a sensible default location -- which most Windows applications are not -- the Windows file picker defaults to Desktop. This is the reason most people have all kinds of shit on their Windows desktops. I can search for files on Windows now, so at least Windows has one thing right.