It's too easy to lose your precious photos if you keep them on your camera. Download them to your computer. (or maybe two computers) or a hard drive.
In the future you will be glad you took the time now to organize your photos. Do it anyway you decide to (e.g. 2010 >Vacations>Disneyworld) but years from now you'll be glad your photos aren't just numbers.
Always save the unedited versions of your photos as your archived source photo.
This is where you can really protect your memories. If they are on disc you can store them in a variety of places, such as a safety deposit box.
Online photo sharing sites are great for sharing photos, but don't trust them for storing the only copy of your photos.