I have had a very curated home taxonomy, than I give up. Now nearly all my digital life is managed in a graph of org-mode notes, org-attached. So I do not need to look for some file traversing a tree but a single org-roam-node-find typing something to reach a heading title. This plus a heavy note usage allow for a far better search, full-text in notes via ripgrep as well, working far better both for structured files, like regular bills, and casual files. A small bonus the two-level cache-like global attachment dir is essentially a nicely balanced tree, meaning if I decide (experimented than dropped since of no use for me) to index my files for instance with Recoll (Xapian comfy wrapper) the indexing is typically faster than in a classic curated taxonomy.
