Files repository for a community

Hi, I'm relatively new using drupal and I have a little problem.
I need to add a kinda "repository" to my site, this repository is for the users of my site, the options that I need my users haver are: file upload with description of the upload (I already managed that with CCK), free creation of directories in the repository (to organize the files uploaded), edit own uploads, download the archives uploaded by other users.

I have two ideas to how to do that, the first is with taxonomy and views (taking terms of a vocabulary like directories and organizing all with views), but I encounter difficulties with directories creation (terms in this case) with this approach, the thing is that if you create a vocabulary the user can only view (at the moment of create content) the list of terms or enter a custom term (with the "tag" option enable when creating the vocabulary), so, If I can display for the user the list of terms and at the same time the optional creation of a term (when the user wishes to create a directory at the moment of upload a archive) I'll be really happy.

The second aproach is using IMCE with a module named IMCE_mkdir, this sounds like the natural way, but I have some problems with this: all the users can modificate archives and directories that dosen't create; the other thing is that IMCE isn't really user friendly and I need strong usability.

I'll be very grateful if anyone have some ideas of how I can implement this.

PD: excuse my bad english