If you're leaning toward Elements, which I do see has some organization now, I would suggest staying FREE with Picasa. Otherwise keep testing Lightroom and I'm sure you'll find that $199 is a decent amount to spend on this type of software.

There really aren't any programs out there for Windows that can compete with Lightroom. If you had a Mac you might like Aperture instead (I don't however, mostly due to its photo/file management style).