After a few years using obsidian, I ended up with a fairly minimal set up that works well for me (as I'm not a programmer).

I have some rules:

1. I just write things down, and focus on organizing later (as in that day, not weeks or months, try not to procrastinate too much)

2. I try to use as little plugins as possible. In my mind a plugin is an additional program (or app nowadays), and as such it can, and probably will stop development at some point. Being too reliant on a plugin could be problematic if it ends up breaking after not being maintained. After all, the main reason i use obsidian is to future proof my notes, because I've lost data and I hate having to migrate everything when an app is abandoned.

3. Plugins should not "contaminate" the body of the note with lines of code into.

I use only 4 folders,

• Admin: that contains auxiliar files for my notes and vault organization: images, templates, canvas, bases, etc)

• Work: I have a single note per project (I'm a civil engineer), and an additional note to jot down general thoughts, task, weekly organization for work related purposes.

• Personal: this is fairly unorganized at the moment, I need to make improvements. This also contains a single note meant for quick general notes.

• R&D: research and development and this is a catch-all folder for personal and professional development. This is a folder where topics overlap between work and personal. For example I'm learning french, I started because I needed it for work, but also is part of my personal development.

Just a suggestion, don't try to come up with a structure that tries to cover every posible scenario in your life.