I still don't get the drift of "tagging" file names -- that's like sooo 90s.
Almost all formats contain meta data -- hey that rhymes.
Reading through a folder hierarchy, is far to slow. You need your files in memory, if you want ms access times to find them, or sort through them. And I would suggest never using your My Music folder -- it's virtual on Windows, and is associated with your login name -- if you lose that, you lose your music.
Here's a little test. Take an MP3 file, rename it to 1.mp3, and send it to me. My software will read the meta data, and add it to the library. It doesn't care what the file name is -- it will read the tag data inside the file, and populate all fields. If there is no tag data in there, you probably got the file from some 14 year old kid, who sold you a hard drive on CL or eBay.