Slightly different route, and yes, would love to find one that mirrored the way I set up folders on the harddrive...but ultimately have to work around the program developer "grand vision". My workflow is download from camera to first folder, labeled "1" to keep at top. Then create the meaningful location folder that reflects the shoot and cut/paste the raw files from "1" to the new descriptively specific folder. Then launch Lightroom and import that specific folder, keeping the processed in sub folders of that folder. Unfortunately, haven't found any programs that would maintain that organization.
While have used Apple Photos, for obvious reasons I don't have my raw files go there, so it is a manual designation of which photos, other than iPhone and some apps where automatic, I want to have available in Photos. If I need to work on RAW files, I know where they are on the hard drive.
While I have a Synology NAS, all of the apps are free, including Synology Photos. I am in the process of setting it up but looks promising. Unfortunately, I have to start over as got lazy on the drag and drop and grabbed two folders "Books" (illustrations in book I wrote) and "State Parks" (folders with each state park visited and date if multiple visits to same park). It was suppose to filter out duplicates but my duplicates have slightly different names line 800px or 2500px or a straight name if full size. It also had the same frustration I have with Apple Photos - doesn't display file name as you see a string of the same photo, but at least there is a sidebar that can be activated and will give file information. RAW files were obvious as duller than the others, but I don't need them in Photos as it doesn't serve an archive function as that is another program "Active Backup" on the Synology NAS. If I need to work on a RAW file, it is usually at home and I skip the NAS and go directly to the harddrive location. Perhaps load the result to Photos when finished.
Now, about the program. It has 3 headings "Photo" "Albums" and "Sharing". Plus with an app on your phone or other device can reach them wherever you are like iCloud. "Photos" is master everything and organized not like my harddrive system, but chronologically. Here is where it gets interesting, and depending on my sign-in, admin vs personal, will either see everything (admin) or specific albums I gave myself (and others) permission to see. Interestingly, it does create some albums based on features (face ID) or keywords I happen to assign in Lightroom. But as administrator, I can create albums and pull specific photos from the master group "Photos" and assign them to any and multiple Albums I may want to. Sharing is similar to albums but allows more features, similar to Dropbox. If I shoot a house for a Realtor, setup and load a folder with the house photos in "Share" and they can obtain/download the photos essentially from my computer. I don't have to contract out with a third party or set up a FTP protocol transfer on my website (that the ISP won't allow.)
Now the hard work. After deleting the two folders an clearing out Synology Photos to it's just installed state, I then have to go and drag/drop just the photos (entire subfolder, but not master) that I want, then set up the albums which may mimic my harddrive organization. Once setup, should be great.