I've got a set of folders, backed up on an external drive, a server I just built for our family, and soon (and again) on Backblaze.
All of my photos and videos are in a folder of the form
\masterarchive\source\yyyy\yyyymmddd
The camera puts things in folders, I put those folders in as subfolders.
Long ago, I lost the best portrait ever of a friend because I saved the 1/4 size over the original.... so now I ALWAYS save files with a new name before doing anything else in GIMP, etc.
Google's Picasa was awesome until they killed it, because it did facial recognition... but the last version has a bug and gets confused if there are multiple faces in a photo. 8(
Digikam also does faces, but the UI is weird, and it just quits way too often... so I'm looking for a better manager.
I'll probably suck it up, and fork over the money for ThumbsPlus again... I like it, even if I can't afford it right now.