My current solution (all personal photography) is that I have one large Lightroom catalog. I have everything from 2015-2018. Everything is organized by year/month-day shortname. For special things like multi-day vacations they get merged into a single folder. I have the last 3-6 months of raw files saved inside of my local Dropbox folder for some basic backups and everything older gets moved to my Synology NAS. I use a couple different Lightroom Hard drive publishing services.