It has nothing to do with how you are naming, grouping or anything like that.
It's your understanding of the 60's file structure and how a partition on any type of drive works.
Your problem or your friends if that's what you want to keep calling yourself is that you haven't maxed out the space you have maxed out the number of files.
Regardless whether or not you use it as one disk or create partitions it will only hold 224 files.
So an un-partitioned drive will hold 224 files, a partitioned drive will hold 224 files per partition (224 x number of partitions).
If you are filling up your pads making drum kits then you run out of files way before you run out of space, thus the reason for making lots of partitions on a drive as small as a ZIP.
So a partition (or un-partitioned ZIP) could hold 14 banks if you only put 16 samples in it.
If you were using all 4 banks you would get 3 Programs per partition (or un-partitioned drive).
If you are just saving raw samples that aren't assigned to Programs then it would mean a straight 224 samples per partition (or un-partitioned ZIP).
Regardles of how small the samples are they still are seem as files and have to adhere to the 224.
If the 60 v3 supported Folders it would fix this, but it doesn't so you have to work within this.
This is the reason why the improved file structure of the 2kxl was such a major improvement to the OG 2k.