If you are serious about archiving, look at what museums do; I am a natural history museum professional. We use serial numbers from 1 to n, and the data are stored in a database with multiple fields. I use the same approach for my ~28,000 images, some 35 mm slides, some 4x5" chromes, some digital assets, that are just numbered from 1-n. With a database, it is much easier to find images that correspond to multiple keywords.
Consider a lizard in Europe, but I don't recall whether it was in France or Italy, or which year. I search in the database for Class Reptilia under classification, and in geography, I enter Europe for continent (or give a lat/long bracket in those fields), and voila, the list pops up. The associate serial numbers guide me to the right place, whether hard-copy or digital assets are located. The associated thumbnails help me visually to narrow down my search.
Using some cryptic file-naming scheme is not going to work in the long run, because you cannot include enough information in those few characters, and complex searches are impossible. The database approach is clearly superior. There are canned photo-dbs out there, but I don't like any of them, as they are not taylored to my requirements. I have constructed my own from off-the shelf software (FileMaker). The one thing you have to do, is think which fields you need for your purpose. If the db becomes obsolete, export the data as tab delimited file, and import it into the new software. And, print out a hard-copy index by number as the ultimate back-up.
I recall the day many years ago, when a colleague asked me what image of pelagic animals I had. Searched database for habitat = pelagic, and some images popped up. There was an image of a makrel, that I did not remember in the least. Looked at the slide and it clearly had the serial number in my hand-writing on it. At the time I had about 3000 images. Now with over nine times as many, I know that I don't remember everything, and the database is my auxiliary brain.
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