I have no DAM at all, at the moment. I did recently write some scripts to handle this for me. The download software I've seen organizes the photos in directories by download date, which may not be terribly useful. The scripts I wrote grab photos from "somewhere", (you specify the directory) reads the EXIF data, and stores them in a directory structure by the date the photo was taken. The target structure is 3 layers deep, year, then month (numerical), then day. (again, numerical)
Lacking any sort of DAM, I have a second directory tree, basically by-event. So I have a directory, "events/2011/Hawaii" with symlinks into "jpeg/2011/10/".
Having a DAM to ease this task might be nice - I need to look into it.