I just did some analysis. Before I wrote this, I really didn't like organized, but something I hadn't considered before is that the organized trait lets you run closer to 100% research while using high cost civics. This boosts research in your science cities, and really, does commerce matter one bit outside your science cities?
At 1020AD in a recent game on immortal, as Elizabeth:
The financial trait gave me 12 additional commerce (pre banks, libraries, etc) per turn.
Organized would have saved me 13 gold (post banks...) per turn with the civics I wanted at that point.
Suprisingly close, but that's probably the high point for organized. The civics I switched to were all medium-high upkeep. And I still had a lot of undeveloped territory (I never had time to build many workers).
Ten turns earlier, financial was giving me 12 commerce, while organized would have saved me just 4 gold per turn with my primitive civics.
From another perspective, my science city was surrounded by towns, where financial was adding 9 beakers per turn when I was using primitive civics. After I switched civics, I was forced to drop my science rate, which cost me 25 (!) beakers per turn. So maybe organized actually wins there.
Considering the two options (on higher difficulties) are approximately:
1) Choose financial, improve lots of cottages, and stick with primitive civics while getting a lot of extra commerce, but switching to high cost civics forces a lower research rate (which would slow research in your science city more than financial helps).
2) Choose organized, build cheap courthouses, improve what you want, and get the benefits of high cost civics, with less commerce but a high research rate (speeding research in your science city).
It's not so clear.