Unless you are specifying a custom filepath for each file, in which case, carry on.
This one is correct. I always setup my browser to ask where to put each download, and then send it to the file it needs to live in. Usually have the “default” be the home folder so I can easily browse to the subsequent folder quickly. The browser doesn’t just get to decide where to put stuff or it would all be a mess eventually anyway.
I’d be more inclined to believe that these things are so difficult (nearly impossible) to get to work under wine due to some eldritch connection deep into the bowels of windows subsystems so old that current devs don’t even know what they do… IF it weren’t for the fact that a lot of them have fully functioning MacOS versions out there running. Maybe I’m a conspiracy theorist, but I fully believe a LOT of these big commercial software companies are ACTIVELY working to fight their own software being compatible with Wine - actively spending time, money, and effort to block Linux compatibility (completely negating the usual answer of “it’s too expensive to support Linux when so few customers use Linux”).