I'm getting tired of living in the modern age and still having a messy filing cabinet full of paper. I have a nice cheap scanner and want to scan receipts, warrenties, and so forth.

To make it possible to find these, I'd like to make them searchable via Windows Search (or google desktop search).

Because I'm lazy with backups, I want a file format that embeds metadata into the file. Backups should be as simple as coping a bunch of image files around.

I'm also cheap, and am not going to install an expensive solution. I'm hoping one of the basic formats can do this.

So, what common scannable format satisfies: searchable and and metadata embedded in image generated. The more "open" and portable the better.