I have a 'Year' folder, then 'Month & event/activity'sub folder, e.g. 'July - Summer Hols'. This helps me to find pics quickly without necessarily having to search any tags for people/events.
I keep all the RAW files in each sub folder - I only really export worked on images when I need them, e.g. Upload direct to Facebook/Flickr etc. or export to a temporary folder on my hard drive for upload to an online printing service. I also have a folder set that my iPad and iPhone sync with so I can have the better pics on there for showing people/looking at myself. Other than that, they stay as RAW files and I view from within Lightroom