I follow your logic, too. Only, I have no idea about your needs, your setup, your code, your experience, your comfort level with EE or XHTML… So, the only thing I can do is suggest a few things.
I just need to add a browse button and upload button to what I have written.
I suggested the File Upload module, too. So, in closing: Can it work? Of course. Is it the silver bullet that magically anticipates and fulfills your every need? Probably not. I am afraid there remains some implementation work, that you’ll have to do yourself, or hire somebody to do it for you.