Exactly!
My GF's grandmother was very confused when we didn't know what database (sic!) she has on her computer, she said every computer has it... and then she has shown us her perfect categorization of documents into folders... We (both programmers) felt very dumb that day :-)
I can find anything very quickly. When search fails me because I forgot a vendor name or something, I just navigate the folders.
No software required other than what comes with Windows.