Reading through the thread it appears you have decided your setup, but if you are willing to have a look at other options I would highly recommend you take a look at
PicApport, it is a comprehensive photo management setup with server/client architecture, It supports sync/display/tag photos among others. The server is self-hosted and the client can be installed on your mobile devices and clients can be configured to sync only on certain time/ssid/certain folders/albums/etc.
Regarding photo organization, this is highly subjective and just like fingers each have their own opinion. So I will throw in mine and hope it gives you an idea. My setup is as follows
Event/Year/Person - ex -
if it is a solo Vacation/2023/Myself, if it is a family Vacation/2023/Family/Myself, Vacation/2023/Family/Wife, Vacation/2023/Family/Mother/ Vacation/2023/Family/ect
My major top level categories are, Trips(business), Vacation, Personal(shared by myself and wife only), Functions(At_Home, At_Outside), RollingSnaps(Pictures that we take everyday of things like flowers, random objects, etc), Family(Myself,wife,etc)
The photos gets sync into Top-level Family category and from there they are moved into other categories or left there itself if not necessary.
Hope this helps