You described exactly how I work, word by word xD
Other than that, I have a lot of scenes I write beforehand and are in separeted archives with names like "scene of matt and his mother" that eventually I forget what it's even about because they wait a long time to be used and I'm constantly reading them to know when It's time to put them in.
My folders' a mess, mainly my desktop, so many thumbnails saved there together with a lot of other things and folders, idk how I can find my things here. I have so many folders for my comic I lost count.
My desk is another thing, I tried to clear it up but the things magically appear on it again. I just give up.
But I kinda work with all this chaos, i dont know how. I don't imagine myself in another scenery, I really don't.