Thank you Jeff. I think a lot of us can benefit from your suggestion.
I've tried a number of different setups to make this work but for some reason this simple idea never occurred to me, So now I have set up top level tags for my different areas and it is working nicely. I made them in all caps, bold and in red to stand out. Filing tags are under a tag called "_FILE CABINET" and my whole current set of tags are under that. (underscore so it is at the top of the list) Other top level tags I've added are "BUSINESS", "RESEARCH", and "HEALTH EXERCISE & NUTRITION". I will probably end up adding hundreds of new tags to each of those for subjects, names, jobs recipes etc. These can be set up in different ways, stay completely separated from each other, and stay collapsed and out of sight when I'm not using them.