There's the Files app.
You aren't configuring anything or doing anything that needs access to the file system.
You are simply interacting with documents and online systems/applications that you can do the same as on a laptop. Add the greater mobility and the iPad pro really is a better device for most people.
However, as another commenter mentioned, these individuals who SHOULD really benefit from using an iPad primarily also are the group that struggle greatly with the changes to their overall workflow (see Who Moved My Cheese).
You can do all the basic copy/cut/paste ops and create whatever folder structure you want. Don't expect to edit system files though. People spend lots of time looking for vulnerabilities to achieve that.
Image files?.... they obviously want to be mixed in with your photos!
Media files?.... you don't want those!, would you like to subscribe to Apple Music?
As far as image processing apps, I've been using procreate and affinity designer. Both use the file system and not the photos app.
As far as audio processing, apple's own garage band app works natively with audio files and lets you slice and dice them.
Not really. It has often been tried to find something better, but there really isn't. It works decently on Apple because they set certain constraints and standards. But overall it is like saying a table of contents in books is antiquated. You don't need it for belles lettres, sure. The analogy doesn't fit too well, but there a similarities.
It is actually the most simple way to present structured information. It is not optimal, but decently approaches it. This is a reason why it is so successful and to my experience even normal users don't have too much trouble with it. Alternatives obfuscate this for everyone.