Schema-on-write increases the cost (mental load, time) of finding useful things in the first place, which isn't always what you want. I happen upon an interesting HN article (like this) and (like the author) dump it in my "later" pile - often that's during a little ADHD-brain distraction, where I just browse and read for a few mins before jumping back into a piece of work. I specifically DO NOT want extra cognitive load at that point.
The balance is always a bit of both - sometimes organise, sometimes defer it. But always allocate some time for "emptying" those queues, lists, inboxes, etc - that's the critical part of staying organised and usually the hardest.
The worst temptation is to automate the process - eg. "I'll auto-import all my data into organised tables" or "I'll use ML to automatically tag stuff" - that's fine, but the purpose is to help you learn and remember, and that automation will just create even more data for your "to look at later" pile.
I'm having some joy using Obsidian - it's so quick for creating interlinked documents and notes, task lists, etc, and from a technical PoV they're all just plain Markdown documents stored in Dropbox - future-proof and device-proof.