I would have less problems with people hosting files on their sites and uploading to every major archive, if the add-ins had the ability to self-update themselves when run or, at least, warn when a new update is available. Unfortunately this is not possible thanks to Casio's breath-taking innovative networking technology called AirGap(tm).
I made the mistake of distributing early Utilities binaries to many people, both over the internet and in-person, and now there are dozens of people still stuck with really early versions that are unstable and miss 80% of the current features, and I have no easy way to contact them or convince them to update.
At the time I didn't know Utilities would have so many changes till its current version so I didn't think it would be a problem to distribute these versions as they are "almost 1.0". 1.0 will get out really soon (once I get the nice ZIP file and readme you want done), seven or eight months and many beta releases after I thought I was reaching 1.0.
I don't want to repeat the same mistakes with my new projects.
Once, a colleague got a Prizm, and he tried to install Raptor... by copying the ZIP, as well as the contents of the ZIP, into the calculator's storage memory. This included source code, bmp icons, readme... it also made his calculator super slow because of the big amount of files in the root folder. Not to mention the wasted space. Best of all, after all that he managed to put the g3a in the wrong folder. I wasn't too surprised.
(we had no computer near us at the time and Utilities couldn't still move files and folders around, and I didn't have my link cable, so I told him what to do when he got home... I think he never got it right and just gave up).
The reason why source code for my add-ins stays on GitHub (for this one, not yet...) and distribution occurs in files as simple as possible is to make the life of the common user easier. By "common user" I mean someone who just got a graphic calculator for school and maybe didn't even know it could run third-party software.
I'm trying to reach the people who don't usually go on calculator software archives. The archive files with readmes and source code are very nice for people who know what they are for, and I too appreciate when I get such a complete download. But most people aren't used to downloading software like that, for many people even downloading and running setup files of Windows software is hard (for me too, but for different reasons

)
That's why app stores are such a success, they "just work" when it comes to installing, updating and uninstalling software. It's also much easier for developers to track the amount of downloads and get feedback. The problem is that there's no way to make an app store that runs in-calc and "just works".
For experienced users willing to mess with the source code, by pulling from GitHub they can be sure they are using the latest one. They can also get the code for previous versions by looking in the commit history, for example in case they want to make sure the binary they have came from that code.
I've seen more cases in the style of that one of my colleague that wanted to play Raptor (and he is more or less computer-savvy).
Some people never connected their Prizm to a computer, but I'm sure they would benefit from Utilities, Eigenmath or any other add-in as much as everyone else. Some of these people think of non-official add-ins and games as something obscure - and if we don't enlighten them, it's most certainly really going to turn into an obscure thing.
It's unfair to reserve the greatness of add-ins to people who can read READMEs in English and extract things into the right places.
I'm working towards having my software accessible to "every Prizm math user" - independently of the fact they RTFM, or are tech-savvy. They just need to be able to understand a bit of English and use Google.
I believe it's better to have an user who doesn't use a software to its full potential because I didn't distribute a readme, than to have an user who couldn't even install it because I distributed a readme, but it wasn't read or understood. People who are interested in a readme can still get it, it just doesn't come with the binary.
Sometimes, when people run into problems they just don't care to ask for help, or think it isn't worth the effort, and miss all the greatness. Other times, I must admit, I have no patience or time to help when I'm asked. So I'm not just making things easier for these users, I'm also making things easier for me.
I definitely plan on making complete ZIP files for people who want them and for submitting to traditional archives (since users who download from there expect ZIP files and readmes). Creating ZIP files and submitting to archives will only occur every major release, because updating the file on every archive is a pain - and I'll almost certainly miss some of them. It also makes tracking the number of downloads a pain.
At the same time, I intend to have pure binary downloads without readme, and have the add-ins walk the user through their features when they are run on the calculator (see Utilities' first-run wizard - it's basically a readme many people still don't read/understand, but at least I'm sure it was shown to their eyes). I've seen software for computers and smartphones follow this approach and I believe it's easier for an user to learn about a feature when the "right time" comes, instead of having a monolithic readme (that 90% of the users won't read) detailing every aspect.
For Beta versions, it's much easier for me to have the "readme" in an online form, and just have a simple binary download. For the non-savvy users, my experience tells me it's also easier to have it like that when it comes to stable releases.