I also store by year-month-date with a brief description of what is in the file folder. Back your photos, up if your hard drive crashes & you don't have them stored elsewhere you will lose them. I back up to the cloud using Carbonite & also on a mirror drive. I'm no expert & far from very knowledgeable about the digital world, but I'm slowly learning.
I do pretty much the same, naming files such as '2017-03-12 Chicago IL'. This makes it easy to find shots. If I take a number of photos on the same day at the same place, I'll add count digits such as '2017-03-12
02 Chicago IL'. I file in Folders such as Trains - Locomotives, Trains - Prototype (most of my files end up here), Trains - Model, Trains - Towers, Trains - Rolling Stock, etc.. I back up often using a portable hard drive. Sometimes I'll add some information to the file, such as the Train Number or a note of interest.
I also have a folder named Trains - Historic for old photos found on the Internet that are of interest to me. Each file name here also contains [
Not Taken By (my initials)] so that as my memory grows weak with age or a friend someday inherits my photo files, there will be no confusion about these.
I keep only the best of what I shoot and delete the rest. To have thousands of shots on file named DSC_xxxxx.jpg wouldn't serve me well and with a digital camera, the file count can get out of hand quickly.
