The major problem is that there are two different mindsets colliding.

There's the "I'm an artist, and I want to do things my way!" mindset.  Which is perfectly legitimate.

Then there's the "I'm a buyer/user, I want convenience" mindset.  Also legit.

The problem is the people supplying content who think too much like the former and not enough like the latter.

I run into the same problem when I review amateur fiction.  I see people going "well, okay, my spelling sux and i Use random Capitilization: and i dont follw any grammatical rules known to humankinded, but i'm writing a story and you should only look at that."  My reply being then "Well, if you want other people to read your work but you don't care about following some basic rules to make it easier to read, I don't care enough to bother reading it at all."

In a perfect world (that is, one in which I was unquestioned ruler of all), products would be organized as follows:

ReadMe
    Merchant  
        ProductName folder
            product readme files
Runtime
    Geometries
        Merchant
            ProductName
                product obj files
    Libraries
        Regular library folders
            Merchant
                ProductName
                    product files
                    AddOn folders*
    Textures
        Merchant
            ProductName
                product textures
                AddOn folders*
               
For the AddOn folders (marked by asterisks), what I mean are merchant addons to an existing product.  For example, if I made mats and textures for the Daz Morphing Fantasy Dress and sold them, my texture directory layout might look something like this:

    Pose
        MATs
            DAZ
                MorphingFantasyDress
                    KeithsAmazingMFD

    Textures
        DAZ
            Clothing (if organized like this, otherwise move stuff up a level by removing this one)
                MorphingFantasyDress
                    KeithsAmazingMFD

Doing it this way means it's a lot easier to find things.  I know all the MAT files from everyone making stuff for the MFD will be in the MFD directory structure.  If I want to move the dress from, say, the V3 runtime to a dedicated DAZ clothing runtime, it's easy to find all the files and the add-on products that I've bought.