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I don't know why Rendo or DAZ don't require merchants to follow a structure.

probably because no one agrees on what that structure should be

How do you know?  I guess what you really mean is everyone doesn't agree.  But who cares?  That's why nothing gets done in a pure democracy.  You just don't ask everyone.  You set up a couple of people to come up with a few possible structures.  Then you let everyone vote (or not :) ).  Then the Rosity, DAZ, EF, or a combination implement the changes and its over with.

Like I said, you don't need to please everyone.  You just need to come up with something reasonable.  Then artists would know where to put things (with plenty of flexibility within their own folders) customers would know where to look to begin their inevitable customization, and the problem would be finished.

This isn't brain surgery.