Personally, I think the mechanics of memory can be universal, but the "memory structure" needs to be customized by each user individually. What gets memorized and how should be tied directly to the types of tasks being solved and the specific traits of the user.

Big corporations can only really build a "giant bucket" and dump everything into it. BUT what needs to be remembered in a conversation with a housewife vs. a programmer vs. a tourist are completely different things.

True usability will inevitably come down to personalized, purpose-driven memory. Big tech companies either have to categorize all possible tasks into a massive list and build a specific memory structure for each one, or just rely on "randomness" and "chaos".

Building the underlying mechanics but handing the "control panel" over to the user—now that would be killer.

I recommend installing Google's Antigravity and digging into its temp files in the user folder. You'll find some interesting ideas on how to organize memory there (the memory structure consists of: Brain / Conversation / Implicits / Knowledge items / Artifacts / Annotations / etc.).

I'd also add that memory is best organized when it's "directed" (purpose-driven). You've already started asking questions where the answers become the memories (at least, you mention this in your description). So, it's really helpful to also define the structure of the answer, or a sequence of questions that lead to a specific conclusion. That way, the memories will be useful instead of turning into chaos.