What is the best way to organize the memories in your Handheld Ham Radio?

I have a Yaesu Ft60 HT with 1000 memories that can be separated into 10 memory banks and am not sure what is the best way to organize the memories. ie... Should I put the 440Mhz repeaters separate from the 2 meter repeaters?...Should I load up the intire state or just my local areas I travel in? Also is there any place on line to get the repeater frequency directory CSV files free?