Here are a few suggestions:
Free:
1) Exifer (
http://www.friedemann-schmidt.com/software/exifer/) nifty and allows you generally organize you pictures. Unfortunately it does not support RAW.
2)
http://www.irfanview.com/ it has a pretty quick and easy organizer built into it (also it supports some RAW formats).
$
1) Adobe Photoshop elements .. Includes the album program and supports RAW. Good is it allows really complex tagging of the files for multiple organization.
2) Breeze browser ... I know people that swear by it and it does have pretty good features.
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I use Elements (it handles my 50,000 pictures + 200,000 clip art without problems).
But I need the tagging features to keep the stuff organized.