Filing System/Photo Management Suggestions?

[RC]

3. I just file by Date.

I have over 121 gig of pictures, spanning over 10 years and I don't usually have a problem finding what I am looking for.
My smugmug site has those pictures I deem look worthy for some reason or another and each one has the date it was taken, which helps in the search sometimes.
I find Photo Management software a bit too much of a hassle, because you have to categorize each and every picture. And later when you think you filed it under ... but didn't? Or just plain spaced out and misfiled it?
No thanks, too much work. I like my date system, where each day's worth of pictures is in a different folder, filed under the camera I used to take them with.