Well, my listening style would be such that I keep every album in a folder of its own. That's about it, plain and simple. Like a shelf full of albums. I like to listen to the albums the way the artist intended. I haven't ever used a portable mp3 player, but I'm pretty sure they allow you to browse and play folders. I'm leaning toward the Creative Nomad.
As far as driving safety, let's just say I'll take the risk.

I'm good at multitasking, and I don't need to do that much track switching anyway. Whether the controls are located in your lap or on the dash, you have to look away from the road either way to see them.