Dealbreaker: I need to save my pictures in my own folders, not the photo library. Impossible?

Question

I have 18 years of pictures saved into folders organized by year/month/date. This is vital for my work. But Photos seems to only allow saving pictures into the photo library. This is unacceptable. Aperture allowed me to select where to import. 
Time to go to Adobe Lightroom?

Answer 1

Moments in Photo are the new Events, i.e. groupings of photos sorted by date taken.
When the iPhoto Library was first migrated to Photos there was a folder created in the sidebar titled iPhoto Events and all migrated iPhoto Events (which are now Moments) are represented by an album in that folder. To open the sidebar if it's not already open use the Option+Command+S key combination.
There's a way to simulate events in Photos.
When new photos are imported into the Photos library go to the Last Import smart album, select all the photos and use the File ➙ New Album menu option or use the key combination Command+N.  Name it as desired.  It will appear just above the iPhoto Events folder where you can drag it into the iPhoto Events folder
When you click on the iPhoto Events folder you'll get a simulated iPhoto Events window.
The downside to the simulation is that the Album/Events can only be sorted automatically by Title. But they can also be sorted manually, either in the sidebar or in the folder's window at the right.
Ask Apple for more sorting options in Photos via https://www.apple.com/feedback/photos.html.