I found it striking how similar the system that I have settled into is to yours, and also the similarity of the benefits that you ascribed to it. I love having my /home/name/tmp folder and being able to delete everything in it without worry when I find it becoming a bit crowded. I find that it takes care of most things I don't need but there are a lot of small projects and downloaded libraries that sit in my programming projects directory that are more difficult to delete. All in all I find the organization very relaxing and passive.
Roughly the buckets I have are:
- Downloads
- Documents
- workspace (programming projects)
- tmp