[Laremere]

I think you could have shortened your question to "why have a Downloads folder?"

Downloads folders are where files go to sit unused. I personally send everything to my desktop so files won't sit out of sight forever, but I think in a browser which is meant to be simple that asking where they want the file is a good choice. Why defer user action to a time where they have to do a large amount of a boring task when you can ask them to do it right there when they're most likely to know what they want to do with it?