[gekko]

iTunes does it, somewhat.

In preferences, advanced, check "Keep itunes Music folder organized"

Then it would be iTunes Music > Phil Collins > Unknown Album > Something happened on the way to heaven.mp3

You can also add a track number at the beginning under the importing setting.

Now go to advanced > consolidate library. It should move all of your MP3s into the itunes music folder with the new setup.

After that, changing the ID tag should move and rename the file automatically.

But then again, Windows might not...