I use a very simple but practical approach. I shoot in raw, and keep two copies in external disks all the pictures in NEF. After finishing the edit I make a lite jpeg version of each picture and use Picassa for viewing and sharing. Pcassa allows you to store your pictures in many files, and then you can pick images to create albums by topic (one picture can go in several albums), and viewing is fast.
I always have two copies of NEF files, both before and after editing. From the CF card I download to my laptop and one external disk at the same time unsing Nikkon transfer. After editing, I make a copy in each external disk.
Very simple, and I carry in my laptop my complete collection of pictures. I have a family album, bird in flight, sunsets, etc.
I make folders names YYMM, and the event is decribed in each file name. I always keep the folders and files names identical in every step and backup.
What do you think?? To support a hobbie I think is OK.