Thank you Dan, very helpful tips! If you can't find in what you got, then you gotta work with what you got
(kinda like marriage).
After downloading and sorting out my work, I don't date my folders since Window does that (although it changes if you edit folder contents). In addition Canon ZoomBrowser names folder by date as I explained which is inittially helpful to figure out what's where. In the final version, I prefer to name folders only by name/shooting location which is easier for me to figure out where's what. After your thoughts, I might have to rethink this since there may be better ways.
Some type of tagging could be a solution. I've seen a program somewhere, can't remeber the name, that does this. It can filter photos by tags, so that you can physically have them in different folders, but if let's say, there is your dog Skip in many shots from different trips, if the photos are properly tagged, you select the filter "Skip" and the album view will display only Skip's pics. I have to remember what is the name of the program and where I saw it and will post back if successful.