@TontGinSF Kevin gave a great compare & contrast. (I’m biased though because I think Kevin’s a pretty good dude.)
If you’re interested, I posted a fairly detailed explainer on how I organize and also use file meta-data for my media.
Something Kevin didn’t touch on is that eventually you will have media that is outside of / independant of Ancestry. Storing that media in an orderly, logical way is super-helpful.
I presently have 16.8 gigabytes of media consisting of 2,546 individual items. A notable portion of those are not on Ancestry, but are attached to my RootsMagic instance.