I'm not a professional either, just a grandma with a love of digital photography who takes lots of photos. We used to live in a motorhome full time, so we had lots of opportunities to take many photos.
I personally like Aperture better than iPhoto because I like to use some of the NIK software/plugins where I can do the adjusting right in Aperture and don't always have to send the photos to PhotoShop. Also you have a bit more flexibility as to file set ups with Aperture. In iPhoto you don't have as many nesting capabilities. iPhoto is great, but pretty basic.
I had my photos set up as files on the PC, long before I got my first Mac. So I set them up the same way. I'll try to explain
In Finder:
Pictures (in side bar on left in Finder)
Folder - My Photos
2nd Folder - by year
In the year folder I have a folder by date ie: 2000
0722 (year,month,date) and the photos from that date in there.
Once I got to using Aperture, I have my years set up as "projects" and the dates set up as "Albums". When importing the whole set of photos into Aperture, it was easy. I highlighted the "library", then did a right mouse click and selected "import folders as projects". That imported the photos into Aperture the same way I have them in finder.
Once everything is in Aperture, and you have new photos to add, I make an album under the corresponding year and import.
I do all my photos as referenced and don't duplicate them again, as I have them backed up in a couple of other places.
IMHO you can't back up enough! Don't wait and do it only once a year! Hard drives have a way of crashing and you'll loose all your photos. Use DVD's, thumb drives, ext. hard drives or what ever works for you. But always back up.
When I take my photos off of the memory card, I immediately send a copy to the back up external HD. Once the photos are adjusted etc. I make sure I have a copy elsewhere too. Only then do I erase them off of the memory card. Might be a bit redundant, but I'm not about to loose any of my photos. When we lived in the motorhome we were always aware of the possibility of theft or fire. So I got in the habit of taking some time to reduce the size of the photos and keep them on a thumb drive that I kept out of the RV. If anyone broke in or we had a fire, I'd still have the photos. Maybe not the originals or the bigger size, but we wouldn't loose them either.
If you want more info on non professional filing, send me a PM and I can send you a photo of my file hierarchy . (suemach (at) mac (dot) com)
Allie