I find that even after all the years I have been using a computer I don’t really have many files that don’t live in there own buckets.
I keep 2 folders in my documents folder, one for code and one for “documents” called actual documents, inside documents is a small collection of different projects which use whatever fold structures make sense for that project.
Receipts at the moment are stored in an S3 bucket broken up by year and I have a speadsheet to serve as a file index while I finish building a system of management for them.
I don’t like everything buckets, and so I don’t like treating my filesystem like one, most of my other documents live in there respective cloud services only