I feel you; as a pretty happy user of Johnny.Decimal over 7-ish years, I’ve preempted this a bit with symlinks. It reduces the available assignment space but saves time when brain goes alt-brain.

One observation from over the years which matters because I keep separate sustains for personal (including freelance work) and employee office work. I usually can pick just one place and remember it for the latter whereas personal is a land of struggle and experimentation.