That's fine for file storage, but doesn't provide a way to find all photos with dog in them, or photos from 2007 - 2012 with bird and dog, but not cat, in them.

That's fine for file storage, but doesn't provide a way to find all photos with dog in them, or photos from 2007 - 2012 with bird and dog, but not cat, in them. Most apps will let you store your photos how you want them to be stored on the filesystem.