Open and save dialogs are insane. Let's make a whole other finder that's completely different to the main one we use to navigate files.

The RISC OS approach is like a million times better. The only thing I would add is a context menu to create a new file of whatever kind at this location, like The "New" menu in windows.

Paul Fellows absolutely claims that. From https://astrospeakers.org/provider/paul-fellows :

> He worked on the first generation of home computers and lead the design of the RiscOS operating system for the ARM processor, including inventing the apps and icon bar user interface that has since spread to phones and computers across the world