While it may be annoying with Active Storage, it's probably best to let it handle the folder/file structure within S3. This isn't something that one should be touching in ideal worlds.
If you're on a Rails 7 Application, I would probably not create custom channels if you can avoid it. Hotwire's Turbo has gotten us so far to where a lot of the manual channels are no longer needed and can exist in the background now through Turbo.