Agreed simplicity is best, which is why I am trying to clean all these images up and find one good workflow.
The reason I don't always use Photos is because of it's poor handling of RAW images. It is very difficult to work in RAW, especially since I work in Photoshop.
Right now the RAW images I capture are kept on my laptop while current, then stored in folders on an external hard drive.
The images I capture with the iPhone, I import using the Photos App, choosing Library as the destination.
It's a challenge to find one system to organize both formats, especially since some are personal, and some for professional use.
Once again, many, many thanks for your advice.