Resources are generally two things
1. Art (textures, sounds, etc), which is Read-Only
2. a world file which glues this together to an complete game world
both are always mapped into memory, while the world file is always changing
to describe the current state of the world.
The Art is in one single file which is updated by something like a resource compiler
The distributen of new art will be done in packages which should be registered by a
website; the arts these packages should have a logical depency
(i.e. Samurai set with sword modells, 3D Samurai modells, etc)
which is able create, extract, update, merge Artfiles
(a little bit like blizzards mpq format)
A Module, which is handling the access to artfile
from 3D-engine, Sound Module, etc.
Its also manageging the world
(maybe a second independent module)