OS X :: How To Input Approximate File Path Information Into Search Query?

The original message was too long, so here is a shorter version. Suppose I have the following file structure: Joeirthdayphotos. I want to type, "photo, joe" to get me to the "photo" folder. Is there a simple way to do something like that?

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Spotlight seems to only allow users to find files but without relation to where the file might be located. This works fine if the filename is "New_York_Birth_Rate_2008.pdf". How about if it's stored as "Birth_RatesNew_York2008.pdf"? Searching for "2008.pdf" would bring up a whole host of files and one could select the one in the right folder. But what if you have a large number of files called "2008.pdf", stored under various folders (birth rate, mortality, morbidity, rain fall, humidity, crime rate, etc etc etc" and you want to narrow the search? Sure, one could use the advanced search, but this defeats the purpose of a file launcher like Spotlight.

Ideally, I want to input something like, "new york, birth, 2008" in any order and it would search for all folders and files with similar names, sorted by placing ones with more matched terms in terms of the file path. Is there an input method to do this? Surely this is a common scenario?

Here's another example, "Sales Person ABronx2009SeptInsurance Plan A.pdf". Now imagine I have 200 sales persons, and 50 areas. I want to type "richard, longevity plus.doc, bronx" to narrow the list. Sure, I can use advanced search, but as I said, this defeats the purpose of spotlight.