Honestly this thread had lots of great advice, and sometimes when I get lots of great advice, I am left even more confused. In any case I thought I would let you know how I have been spending my time with my photographs while I am on the mend (it certainly hasn't been with taking photos!).
1. First, I got the first free version of Photo Director, as suggested by Richard D, and started using it. I liked the editing, but once I started importing photos in bunches it got all tangled up and started doing error messages. I did give them a review stating that, so that I could get the final version for free.
2. Because it got so many good reviews here, I ordered the full version of Lightroom. They sent me some person's guidelines that said I really needed an external hard drive just for my photos (really?) Then I started looking at external hard drives.
3. Do I really want an external hard drive? I mulled that over for a week or so. Meanwhile I looked at my hard drive capacity vs. my photos space, etc. At this point for testing purposes I had imported all of my 2011 photos into Photo Director or Lightroom. I decided I really didn't need an external hard drive. Then at the same time I also decided I didn't really want two or three copies of my photos on my hard drive for organization purposes either, because that took up too much room.
4. Photo Director sent me their final version.
5. Meanwhile, I spent a ton of time eliminating crappy photos I had taken from my photo folders. Since 2008, about, I have them organized by month and year, but my latest way of having them organized, as of a few months ago was by year (folder), month (subfolder), and within that, I put an "a" before the numbers for any photo that had been edited in Irfanview. I did not go back and change this for earlier photos. In those the month and years were mostly okay, but I did not keep the original file name in the edited photos names but just named them random things like a01.
6. Since I ruled out organizing the photos on my hard drive, like I originally wanted, I decided that I would go on and take full advantage of my Flickr account, which allows my unlimited photo storage. I began transferring all of my images (AFTER I had eliminated the crappiest photos), by month! I mostly used the private setting on these so only I could access these. As I did that, I put them in the appropriate sets, eg. 2010 06June, etc. I am still working on this! I am finally starting on 2011. I plan to do lots of sets, entitled things like "Tennessee River Birds", "Shelby Farms" "Non Bird Animals" etc. In that way I am going to use the cloud for organization, sparing my own hard drive and the need to get an external hard drive. Keep in mind that in culling my photos, the ones in 2011 that I had imported into the softward had to be eliminated from my hard drive. This took me a ton of time eliminating just the copies of 2011 photos. Sheesh. It felt like spring cleaning getting rid of those.
7. That left me with two programs for photo editing-- Lightroom, and the final version of Photo Director. I no longer was interested in organization on my hard drive. I tried both programs. Photo Director, to me, was far more intuitive as to how it worked. I am sure I still don't understand everything about it, but I have been playing around with the editing in Photo Director and it is a lot of fun. I only "import" one photo at a time--just the ones that seem worth of editing at the time. My two hundred dollar Lightroom purchase is basically just sitting there not doing anything for right now. At some point I'll compare them, but I think I will try to learn more about Photo Director first. I still have no idea if it locks up after doing batch imports because I had decided I didn't want that.
Anyway, obviously Photo Director is far more versatile than Irfanview at photo editing.
Gulls edited in Irfanview, previously
Different editing in Photo Director (still don't like radical editing of nature photos)
I don't really love one over the other but there is just much more flexibility with Photo Director, and I am just beginning to figure out what it can do.
So, I have been busy. Not sure if anyone cares about any of this, but everyone offered me so much guidance here I just felt obligated to go through my thought processes and progress up to this point. Who knows, a year from now I might be doing something entirely different. Oh, and yes, I still do regular backups of my photos onto a separate backup drive. I am not totally dependent on the Flickr cloud.