I have gone through so many different organizations for my photos. I take hundreds of photos. 300 a month is most likely a conservative estimate for me. I use to sort them into folders by categories (place, event, person, etc.). But after several years and various new activities that gor too cumbersome.
Now I sort by year. Under that is a folder for each month titled by ##Month, so they sort correctly (2009 - 05May).
When I download using Bridge I atuomatically copy the raw file into a new folder under Backup_Raw - date (the backup file is copied before the files are re-named) so a new folder is needed for each camera download.
I also have a folder titled NEW Pictures and each monthly folder starts out there until I adjust and color correct each one.