I've done some googling and spent some times on "Alternatives To," but haven't been able to find software that does all of the following:
1. allows you to take notes which it stores locally somewhere
2. the notes are in rtf-like format in that they can contain text, formatting, and pictures
3. the primary mechanism for organizing is through tags, which you can add as many as you want to notes on the fly
4. no monthly fee for online synchronization I don't need
Examples (Software, Has):
Evernote: 2, 3
SimpleNote: 1, 3, 4
CintaNotes: 1, 3, 4
TiddlyWiki: 1, 3, 4 (doesn't get a two because adding images involves storing it locally, making a link, etc.)
I've tried to avoid things like OneNote which, while great software, is much to overpowered for what I'm looking for.
If anyone knows of such a commercial or freeware program, I'd be very appreciative to hear about it.