Somehow I’m doubting that you keep all your computer files in your download folder. You still have to move it. My way just makes it obvious it needs to be filled instead of leaving it on the junk drawer.
And the physical desk analogy still holds. Yeah you put it in a folder in the drawer, but it’s the wrong one. Unless you are specifying a custom filepath for each file, in which case, carry on.
Rock on, you are an inspiration to us all.