My main issue with the Files app is that it has been buggy for me and that it is a cloud first system if you have iCloud Drive turned on. I hate waiting for the folder hierarchies to load, I hate waiting for the files to sync, I hate how sometimes an uploading iCloud file takes down the app that is trying to write new data to that file with auto-save.Actually, you have both on the iPad. You have the Files App which is essentially Finder for your iPad. It has become pretty robust and feature packed since they first introduced it, albeit still not as many features as Finder....but getting there. You can create and set up as many folders and subfolders (photo's, documents, .pdf's, etc.) as you want in the Files app. After you have your file system set up the way you want you can create as many shortcuts to them as you want on the iPad home screen/desktop.
You can also save any file to the Files app directly from whatever app you created it in, just by clicking the Share button/Save to Files/Browse to Folder You Want to Save In.
Files just needs to have its bugs fixed and allow us to have an option to keep folders and files or the entire iCloud Drive stored on device. I do want it to sync, I don’t want it to sync in the middle of editing a file because that often breaks things, I don’t want it to be cloud first where it doesn’t keep the folder and file hierarchy cached on device if I haven’t visited a particular folder in too long a time.