>> As for the distinction between random JPEG files and the Photos app, I think that's actually quite good.
Please don't take this personally, but that always terrifies me. It's like modern apple owner "sour grapes" fable - "I actually love this random limits tion, it makes my life much easier " and I hear it a lot! If I right click and save photo in some apps or websites it is in photos app, but in random other apps that same file is no longer a photo. How's that good? There are a million ways to "not clutter" that are better. Folder might be one but if that's anathema, then albums or tags. It's a completely random subset of things that end up being photos vs not, seemingly based on location or tags that arr neither visible or accessible to me as a user. I get that this is "good" for some people, I am clearly not in that group though.
Re ease of copying files, does any of that work if you don't have a Mac? Context of conversation here is iPhone / iPad as independent working devices and ability to transfer files without a Mac OS device. I am readily convinced that if I bought whole heartedly into apple ecosystem and only apple,my life would be easier along some axis, but that's not a life I lead - I have the black box of iphone and I cannot for example delete all photos on it in any way that I could find including in the app, in the settings, via apple support or apple store creepily smiling people :-/.