After trying ACDSee and Adobe Bridge. After using multiple folder options, I've settled on the option that works best for me. It's very limited organization but it's worked so far.
When I unzip, I keep the product i bought together. So the contents of the kit or masks or whatever each has a folder. I name that folder Designer Name - Product Name. I also use the preview image as the folder image, so when I scroll through my digiscrapping folder, I can see an overview of what i have. I then make use of the tags feature in OS X to do some minimal tagging. I'll tag the folder as the type of element or the type of paper or the subject matter. I'll also tag seasons or holidays. Then I throw it all in a single folder.
Hope that makes sense. I'll be glad to answer questions.