I am here on Dreamstime for almost three years. I very much enjoy the challenge. Getting a picture accepted and making a sale still excites me, although I have a few hundred of each. I am not a professional photographer and I do not live out of what I earn from DT so I am not doing a strict cost performance analysis of all this activity. It is more a hobby that also brings in some money which is nice. Part of this microstock activity is to come up with keywords for your photos. I know many people hate it, some even delegate it to the Keymasters.
My experience with this is the opposite. Coming up with a good set of keywords is also a challenge, a different challenge than taking a good shot but a challenge in its own. It is also educational for me personally. I am using wikipedia to look up information, also using the web to find out the name of a plant, a flower, a wild animal, research a historical building and more. I want to tell everybody that my English writing skills improved since I am doing this. (English is not my first language as you may have guessed by now.)
So my advice to other photographers in similar situation like me:
DO YOUR OWN KEYWORDS.
Do not give up on this good opportunity to improve your language skills, your general knowledge and your web searching skills (which are important for many other activities you may do). Do your own keywording and invest some time to do a quality job. As the author of the photo you have a lot more info to work with than the Keymasters.