I agree with your thing about the naming, though it would be hard for designers who sell in various stores--they'd have to rename all the folders for each separate site. I also dislike nested folders, but I do use them for megakits and collab kits to keep the alphas, papers, elements, TOUs, etc separated into folders. I still struggle a bit with the organization, where to put the zips and previews, etc., so I'm glad for any help the designers give us to ease our way.
The collab kits especially seem to wind up with different ways for naming and abbreviations; I'd certainly appreciate some conventions here such as we use in posting homework for the classes: username_homework_lesson#. There would be less work for those of us who are trying to capture descriptive titles.
And I think it's a GREAT idea about the copyright in the metadata!!