Obsidian user as well. I like to think of it that tags are folders.

When you put something in a folder, you have to choose one of the files identities. Tags more or less allow you to assign a file to any number of groups.

So if you're writing about an NPC in a DnD campaign, for example: That NPC will exist in a certain place. He will be associated with particular guilds and he will have certain moves that you might want to keep track of. You can later easily search by a guild or a move or a place and there will be a link to that NPC and others that share those indentifying characteristics.

A big advantage of zettelkasten is that you don't need to really worry about file management in the sense of needing to make exclusionary choices.