Basically dump everything in ~/Downloads and then a couple of scripts to archive it off to ~/doc/YYYY-MM every month, then every now and then I might sort that into ~/archive/home/doc and ~/archive/work/doc.

Got a few context-specific directories; ~/src, ~/screenshots, ~/notes.

Search using Finder, find or ripgrep.

I wrote a bit more about it at https://www.garethrees.co.uk/2019/11/24/filesystem-organisat...