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If data is placed on a different drive than your other activities, to access it you would have to go back to "Computer" and select the appropriate drive, right?
Seems like an extra step for a minimal benefit, or am I missing something?
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Yes. You are missing "shortcuts". The shortcut on your desktop will point Windows Explorer to the correct location.
But to answer your question, if you have more than one partition (or drive) then there are quite a few extra steps involved. If you want all your applications to be installed somewhere other than under C:\Program Files or C:\Program Files (x86), then EVERY TIME you install anything, you must use the custom install option and select the new location - if the program allows it. Some don't and that is lazy programming IMO.
That said, to keep extra fluff and other junk being foisted on our systems, we should use the custom install options to opt-out of everything we can.
With 1Tb coming, unless you have many 1000s of tunes of videos, that should be plenty. You might want to partition off a section for backups but those won't help you if the drive fails.
I personally always partition my drives. But I suspect that is due to me being a long-time computer user, who used to always be running out of space. So I add a drive. Now I am just used to have multiple drives and partitions.
I always keep just the OS and hardware drivers on my C partition. I have all my applications, temporary folders, documents and data files on my D partition. And my E drive is a little SSD dedicated to my Page File.