I would use a hierarchy categorization aka a file system. And if you cant locate a file by category - Modern SSD drives will blast through a couple of thousand text files using "find in files" utilities.
Then I would use gdrive, dropbox et al for backup only! considering how slow those networkes drivers are (
Accessing files from a local ssd will be 10000x faster then reading them from Gdrive)
That's basically my approach. Ripgrep and existing (more structured) org search functions work instantly on SSD. I describe it here https://beepb00p.xyz/pkm-search.html