I use Scrivener, and it acts pretty much the same way, except that you create the folders, you don't have to mark where they would be. And it compiles into epub that validates, which is what I need it for.
A program like you postulate would be simple to use - I assume it would have a Notepad-type interface - but then you'd need a bunch of other programs to do your layout (either e or paper).
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