Okay, I see where you're coming from, my philosophy is different and I do understand the pitfalls but I like to place my faith in computing systems and after all what are they for if not to make life easier, so, here's my process:
1. Photos:
1a: I import the JPEG photos from my point-&-shoot (P&S) including videos, selecting Aperture to delete on exit. (I used to stop video form being imported by my new P&S will not display itself on my system so Aperture is the only method of viewing the media, then import the video seperately and decide what items go into Aperture of iTunes).
2a. There is not step two.
2. Imagery (from the Internet):
2a. I use a FireFox extension I made called met.a which downloads imagery with certain metadata embedded in it (website Title (IPTC: Headline), URL (IPTC: Subject Code), and highlighted text at the time of download (IPTC: Caption) of which is compatible with JPEG and TIFF.
For file types which cannot accept metadata like PNG, GIF and BMP I have a seperate file created which places the would be data into a text file for manual copying and pasting later one. This has subsequently been superceeded by a PERL script that converts those text files into an XML sidecar file which I used during the import process to pair the metadata with the imagery, thus all images import with meta data, but it's a Terminal process before hand and so those images (and their sidecar files) are seperate from the JPEGs and TIFFs.
2b. Imagery is imported into Aperture via the move operation, any sidecar files are destroyed after manually, the metadata there makes it very much easier to fine an image in the future, no generic stuff for me. (in fact met.a works by pre-fixing a 13 digit random char before every file it downloads to avoid conflicts so a file could look like so: "5243726354637_annabe.png" and so the metadata is well recieved!).
2c. Sidecar files are destoryed and subfolder containing segregated formats, including backup folders in case the Terminal conversion process goes wrong.
2d. I Consolodate imagery into the Library, without checking.
It's a pretty good workflow, I plan to update the extension to cut out the Terminal process, but that's for a future point, the importing of imagery from my P&S will be avoided when I get an iPhone and it updates thanks to the new iCloud features and everything should become much more streamlined.
I use Aperture to organise my life of imagery, it's a varied place but P&S i.e. photos only make up a part of it, I love imagery and would not want to lose any part of them. Metdata is very important to me, just converting from XMP to IPTC (I used to use Windows) was a six month headache! (I used Phil Harvey's EXIFtool) but I got there, subsequently I import other media like sound files, video and even PDFs and so it's great for marrying up all kinds of events that took place, or for planning in the future.
I typically import all into one Project, I know there's the centralised one, but I do it the wrong way and then have smart folders come off of that. I use Vaults to back up the Managed Library and Time Machine for the rest of my machine, of which used to back up the imagery before I Consolodated.