Ok, Ms. Smarty Pants, are your files perfect someone asked? Nope. And my system is not perfect to begin with, rather it is one that works for me and may work for you.
In my defense I have computer files dating back to 1987. Most have had had their file form changed a couple times. I used WordPerfect then - and still do - but I didn't have Windows. I don't remember if they had Windows yet at that time. Yes, hard to believe. These days when I have time I convert non photo files to pdf and try to rename them at that time.
I also have multiple lines with the same name. I have maternal and paternal Wood lines, unrelated. Ditto Harding and others. There are the Downings who were unrelated until about 1855 when they began intermarrying. Then there are common ancestors where I have multiple lines of descent. Abraham Lucas and David Clark [the mystery man who never got out of New Jersey] are two examples.
You need to make a basic plan, using logic that makes sense to you and that you can remember, and adapt it to your situation as these things arise. Consistency is the most important element.
How are the pictures coming? I have maybe - maybe - half of the boxed photos scanned. We are talking literally thousands of pictures. Only a small portion are named. I have an idea for the that when the scanning is done. I have found duplicates and pictures that there is no reason to save - I had a fine time when I first got a digital camera. Not all of the pictures are genealogically related of course.
I have found some amazing old photos I didn't even know I had. There are people I don't know who are probably related. There are people I don't know but I am certain they are not related. And there are so many photos of one cute little girl that even I am getting tired of her. At this point I feel like just scanning and naming all the pictures will keep me busy until at least 2025. And with the SnapScan the scanning is now easy.
Why name in the same order, ie, surname, first name, type, date, location? One reason is to make sure you put everything in the name. Another useful reason is to sort them. Example, if named properly the following files will sort as follows:
Downing John census 1790 Westmoreland Pennsylvania.pdf
Downing John census 1810 Madison Ohio.pdf
Downing John census 1820 Madison Ohio.pdf
Downing John census 1830 Logan Illinois.pdf
Downing John land 1803 Madison Ohio.pdf
Downing John land 1821 Logan Illinois.pdf
and so on. It makes it handy to see what you have.