Ask HN: How do you name your documents?

I try to have some structure in my filenames and use the convention of <base filename> V<version #> <initials> <change description>.ext. This doesn't help the problem of differentiating drafts and final versions so I still end up with things like Year End Report Final V3 BCG minor edits.docx. How do you name your documents and/or folder structures to handle this?