Because I don't like wasting storage space, my folder list looks like this:
2011
-- 01 - January
------ 02 - Event (RAW files + .ini files from PDCU4 + .dop files from DxO)
------ 13 - Event (RAW files + .ini files from PDCU4 + .dop files from DxO)
-- 02 - February
------ 14 - Event (RAW files + .ini files from PDCU4 + .dop files from DxO)
------ 27 - Event (RAW files + .ini files from PDCU4 + .dop files from DxO)
2012
-- 04 - April
------ 18 - Event (RAW files + .ini files from PDCU4 + .dop files from DxO)
------ 23 - Event (RAW files + .ini files from PDCU4 + .dop files from DxO)
------ 29 - Event (RAW files + .ini files from PDCU4 + .dop files from DxO)
-- 05 - May
------ 01 - Event (RAW files + .ini files from PDCU4 + .dop files from DxO)
etc...
My RAW files from my K10D are usually 8-12 MB large, and the sidecar files from the post-processing programs are usually 1-6 KB. When I need some pictures in jpeg I post-process the RAWs with PDCU4 or DxO using the sidecar files next to the RAW files. This way I don't waste storage space with 4-6 MB jpegs...
And I use exiftool to rename the RAWs according to the shutter count, so my filenames contain 5 digits (e.g. IMGP18020) because my shutter count are about 18000.