So I'd have to tag every one of the umpteen files I create (in some session doing whatever) with some spur-of-the-moment searchword I'll never remember later, in stead of just cd-ing to some directory and that's where they'll all be?

It's funny how all these anti-directory tag-and-search proponents seem to take for granted that their hobbyhorse is obviously superior. I've never seen any proof that it is, and I don't think it is.