I too have a large amount of images. Right now I am using
cam2pc as my image downloader and organizer. It downloads into folders named by date(2008-04-28 - Kids playing outside) and then renames the files serially by date (2008-04-28 - 0001). Great at organizing!! Quick, simple, and clean. It does some editing, however I do most my edit work in PSE or Picassa. Every few months, I take and put the folders into a yearly grouping, just to keep things organized somewhat.
As far as backups, I put a server in my basement (old system filled with hard drives), running
freenas and then I have
syncback do a backup of a portion of my hard drive each day of the week. Also, each quarter I make an incremental backup of my library on DVD and put it in the safe deposit box.
The one thing I wish for is a good way to put tags in the pictures. I have not found a great way yet. What I imagine is a program where I can pre-fill in a database with the names, events, keywords, etc. Then I can apply these to the pictures I select, and this data gets saved in the exif. There are exif editors out there, however they all want me to type in the info each time. I know I am not that good! There is no way I can type all that stuff over and over again and not get any typos or other anomalies in my pictures. If the data is not consistent, it destroys the integrity of the database. I tried the PSE organizer, and it just crawls with the pictures we have. Granted, my pc is not current generation, but all I am doing is just tagging images, not building a bridge!