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You can do some of the key wording by using import presets. Another approach is to clone/synch keywords from one photo to a group of other photos that need the same basic set of keywords.
 
I sort of had the same experience. I relied upon iPhoto, then Aperture, because a mess of applications let me choose photos from them even when they weren't open. But then I started using applications that did NOT access iPhoto or Aperture libraries, and had to use the Finder. Yuck.

No matter what organization with folders I tried I ran into problems. The basic deficiency of a Finder folder system is that you cannot have a file in more than one folder. And that's true for not only images.

Surely it is easy to copy/paste a photo file from one folder to another, I know because I have just done it in Finder.

Two copies of the photo, one in each folder.

I do appreciate all you said about professional photographers though and agree that they probably need more sophisticated filing systems.

However, for my needs, the nested folder structure is adequate.
 
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