I've settled on tables in a word document (one for each year / segment nominally), with the photos listed chronologically like they are in my archive proper, rather than by file name as they are on my laptop. When I say chronologically, that'll be the date the image was originally taken, not the date on which I acquired it.
The tables also contain all the other info like venue, event, photographer, whether there are other versions of the same image, where it's been published and when, where I got it from, who else is in the picture etc. In a weird way, it's almost like the Exif data embedded in a digital photograph.
As you say, it's time-consuming and painstaking work (including generating the image thumbnails), but my fault really for putting it off for so long.