Regarding babel, I don't understand, why some TeX distributions
    put *all* files below TDS/*/generic/, from my readme.txt:

There is no deep reason behind it for TL -- the kind of
steers one in the direction of choosing a single format
(latex/generic/whatever) for a package.  Exceptions take more code.
Can't say why for teTeX and vtex.

I agree that it would be better to use tex/latex/babel and
tex/generic/babel as appropriate.

When it is time to update TL, I hope to use your bundles and then
everything will be better.