i use ACDSee and a portable EHD.
i have one folder To be tagged that all of the new stuff gets downloaded into. After I tag it, it gets moved to its "home folder."
I have a folder for each of the CT's I am on. Then I have a main Oscraps Folder and a sub-folder for each designer.
As oscraps Designers retire, I put their folder in a separate folder called Old Oscraps Designers. I know , I am so darn original.
Since 99.9% of my stuff is oscraps/ct related, I do have basic folders for Kits, and a few by theme, like Holiday etc. I have folders for templates, elements, papers etc. Then I also have a folder for fonts, actions and styles that i can load into PS when I need them.
i use carbonite as my backup, but it doesn't back up ehds. Gary has a 2T hard drive so i have a folder on that that I back up my scrap stuff onto.