In my experience, no, you don't need this. The few things I keep just go in folders named for the year under my Documents folder, and they are given descriptiv

In my experience, no, you don't need this. The few things I keep just go in folders named for the year under my Documents folder, and they are given descriptive filenames like paystub-2022-10-15.pdf, or companyA-w-2.pdf. In the rare cases where I need to go back to those (like for a loan application or doing taxes) it's easy enough to find them.