BBand,
Somewhere along the line you have to invest time. You may have relatively few photos, and therefore it might be easier. However, if you are really developing a photodatabase then the options dwindle. I have a photodatabase that has limited my possibilities. What I have done is mostly done when I download the photos [I vet the ID, put in location if offered, put in the scientific binomen (I have converted the database according to the IOC indications, including their taxonomy), age and sex if determinable, elevation if given, etc.]. I download everything into a common mixing file initially, including screen-caps. If I need to do any processing of the photos, I do them there. I have found that adobe applications are slower and more difficult to use. I still use PaintShop Pro to do any processing, batch conversions, resizing, relabeling, and sorting. Once processed, still using PaintShop Pro, I just select the photos and file them away in their respective files (the database is set up dividing into Passeriformes, and Non-Passeriformes, each of them having Family files and within each family file every genera used currently by the IOC). In my case, I have had to do something more structured because I have between 500-600 thousand bird images.
If I need to do key-word searches, I still use the Windows search function.