needs to not be a thing. There might be some users who actually use this for their organization, but I think the vast majority of users have their own system. For example, I store everything on a server.
Not to mention, programs that automatically create folders on hard drives are extremely bothersome. It makes one ponder "what else is this program putting on my computer without my knowledge" which is an unsettling thought.
(no, I don't think formZ does this, but when computer privacy is no longer a automatic guarantee these days, new users might frown on this action).
A solution here would be to let the user decide where to put autosave and texture files.