You are asking that the editor assume for you that you want the new file in a particular folder if all other files of that type are in that folder. That is not an assumption that is universally true. I prefer my tools dont make such assumptions, if I want a file in a folder, I put there explicitly.
Or you are asking that the editor change its behavior based on what actions you might or might not have taken previously. So if you do arrange into folders it will guess folders and if you dont it wont. That kind if hidden state is very bad in tools, it makes their behavior unpredictable and hard to reason about.
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