Like Darlene, I use Bridge, and it does just what I want it to do. You can have favorite folders listed along the left side so you can go there quickly, you can see all the things within the folder as you've organized them, you can easily rename files, delete them, and sort all the files differently. Also handy for seeing the EXIF info (camera data, file specs, etc.) right in Bridge without opening the file. Plus you can customize the working space in Bridge so you get all the options set up just as you want them.
You've got your organization set up, so just go to Bridge and it's easy peasy! Don't need iPhoto if you're using Elements or Photoshop.