LOL perhaps an unpopular opinion in this day and age. You could also really lean into the wastefulness of the everything bucket (you do say our machines are "hauling ass"). While I do not use any of the apps you describe, I think you are really talking about a mindset which I DO moderately adopt and I DO feel guilty and stupid about. I SHOULD use my fs to organize my data and take control of my life. Why? It is a state of mind and a state of being. It will help me be better at other things like, organizing my email so that I am not contributing as much to climate change via compute, just to store a bunch of meaningless emails that I'm afraid to delete lest I lose something I someday want to search. That is whack, you are right.
This is kind like, organizing the drawers in your kitchen/bathroom. You might not want to do it but once you do, if you've done a good job, you can love it forever. Our brains don't crave a filesystem exactly but they do thrive on the efficiency gains we get from categorizing things.