I kept it simple. At least for now. I find keeping a logical structure as simple as possible is the most efficient over long periods of time. I went with the models and textures folders as I was intrigued by the suggestion and added two others.
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Projects folder where individual projects reside.
a. The models folder
b. Textures folder
c. Renderings
d. Resources.
I like keeping a folder for project renderings as it is easy to remember where they are. Keeping resources like reference images, images to utilize in a scene, etc are usually in one folder. If it becomes complex, sub directories are always a possibility.