This is Natalie's system:
"[surname (or) maiden surname][first name][middle name][birthyear]
[date of event or date document created][event or document name]"
It's really nice, after you put the name in, the birth year takes care of multiple generations using the same, so you shouldn't have a problem with all those John Smith's in your tree. I use the Head of the Household to name the census which has really cleared up my census pages.
After that the computer takes care of the organizing for you.
"...they will end up automatically sorted by the operating system alphabetically by name
and then chronologically by date of birth and then chronologically again by date of event."
It doesn't get better then that, now I just have to go and rename all my files, which is going to take some time. When its all said and done its going to be so easy to find all my files. Even now you can see the story of someones life just from the thumbnails.