image tagging on windows

[meanbean3]

sorry if this is the wrong place to ask but couldn't find a better forum... can anyone suggest some good photo-tagging software for windows? I don't need anything loaded down with tons of bells & whistles... i just want it to be able to import thumbnails and let me easily apply tags to them.

It should allow applying multiple tags to multiple thumbnails easily, so I can download that great new album and tag it with "enf" or "blonde" or "milf" or whatever. Then let me filter photos across multiple folders by specific criteria... so if one night i feel like looking at blonde milf enf's i can do so It should preferably open images in my Windows default viewer (IrfanView) instead of using its own.

Every software I've tried comes up short... Picasa inexplicably has no tags, Adobe Photoshop Album Starter has too much crap and the tagging is too clunky... StudioLine Photo Basic comes very very close but there are just a few annoyances that keep me looking (such as using its internal viewer).

Of course free is preferable but I wouldn't mind paying a bit for some really good software. It seems like such a simple thing... anyone have a good recommendation??