I think of it this way... that's where files go that the game has to work on a bit before they're ready to use. So I'd only put the "lot segment" and any inhabitants there -- because the game has to assign lot or sim numbers and put them in the LotBin or SimBin and all that nonsense.
A package file for a mesh or recolor or wall or floor is ready to play. So they go right into Downloads!
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