I rarely if ever change the names. I let lightroom pull and write it out as photography/YYYY/YYYY-MM-DD/IMG_xxxx.dng. I tend to value the more meta data. The ability in lightroom to do nested tags is a god sent. I can tag a shot as "Forestville State Park" and it gains "Forestville", "Minnesota", "USA", etc automatically.
And by using the DNG I can ensure the metadata is always fushed to the file itself so I can send the DNG to someone else I'm working with and all the associated information is with it (wish Lightroom would correctly support GPS tagging so that would be in there as well *sigh*).
I've just never been a big fan of trying to rename files or create special directory names based on event names. Unless the names are long and unwielding they are just as meaningless as labeling them all qwerty001, qwerty02, etc. Because they never really truely releave what the images are about (wedding, florida, USA, Johnsons, January, 2010, ... Which is more meaningful? What does one pick a different one depending on the event? Are you going to remember one of the six words more than another when you are going.. "crap I knew I shot that.. It was of a cute five year old in a pink and red jumper... Where was I?").
But that is me, and how I operate. Each person has their own backroom process that works well for them.
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