Looking at the attachment that john w c posted seems to clear it up. Like bobsomrak said, the Q&A never mentions an “OS catalog.” The question is simply about organizing photo folders in the OS file system (macOS Finder, Windows Explorer) versus organizing in Lightroom Classic after importing.
I agree with the published answer in that there are benefits to organizing on the OS desktop before importing into Lightroom Classic. On the point made about it being “where there images live anyway” and “start with a good foundation,” I would have pushed that even further in that you want the folder organization to be something you can work with if you need to be able to locate images in that folder structure using applications other than Lightroom Classic, and also if for some reason you were no longer using Lightroom Classic in the future (perish the thought!).
Also, if you want the folder structure to be self-organizing in the future, it should be a structure that can be extended automatically by the Destination panel in the Import dialog box or by other software. For example, I picked a date-based structure because the Import dialog box in Lightroom Classic can automatically build that out using the Destination folder organization settings every time I import.
And if you think you might need to do some bulk renaming of existing files, definitely do that outside of Lightroom Classic before importing, because for some reason Lightroom Classic still can’t do a bulk renaming task that is often needed: Find and change text in a filename. You can easily do that in macOS Finder or Adobe Bridge, but not in Lightroom Classic.