Well the fundamental idea behind iPhoto is: why would you care where it put your files at all?
* If you want to see or edit your pictures, you can do so via iPhoto (or iPhoto-compatible image manipulation)
* If you want to mail or export pictures, iPhoto has "Share" and "Export" options
* If you want to open one of your pictures in a third-party software, OSX's standard file picker has a "media" section which gives you a special iPhoto file picker (which works extremely well, it can even search through all your tags and faces)
All the iLife apps (iMovie and GarageBand, mostly) work this way. So does iTunes.
> Don't you find "right click" with one-button mouse a bit tricky?
Control-click. And every mac that has shipped in the last 3 or 4 years can right click.