Hi Andy,
Welcome to RootsChat

I know that everyone develops their own methodology for naming documents/photos etc, ...
OK, my system: I stick to birth names
SMITH_Ann_1878_BirthIndex
SMITH_Ann_1878_MarriageIndex1901_BROWN_Bob_1876
SMITH_Ann_1878_DeathIndex1950
The birthyear for every mention of Ann Smith helps if I find another Ann Smith in the family, but born in a different year
SMITH_Ann_1882_BirthIndex
Two (definitely different) Ann Smiths born in the same year could be
SMITH_Ann_a_1878_BirthIndex
SMITH_Ann_b_1878_BirthIndex
or something similar, but I haven't had to cope with that one yet, so I don't know the best answer there.
Photos or other docs. would have the same "prefix":
SMITH_Ann_1878_with_siblings1895.jpg
SMITH_Ann_1878_in_1910.jpg
SMITH_Ann_1878_with_son_1905_BROWN_Jim_1903.jpg
etc.
As I also have a website, web pages for Ann Smith could then be
SMITH_Ann_1878_bio.PHP or
SMITH_Ann_1878_bio.HTML
etc.
That was following your example.
For myself I would leave out most of the underlines.
The prefix would then look like this:
SmithAnn1878_.....
BrownBob1876_....
BrownJim1903_...
For more ideas on organisation and presentation of data browse through some of these topics

Topic: RootsChat Topics: Organising and Presenting your Family History
http://www.rootschat.com/forum/index.php?topic=158638.0 regards,
Bob