Hello Peter.
the real case is an advanced plugin that handles handles the uploading, storing and managing access for sensitive data. If you share your github handle, I would be happy to give you access to the repo that explains everything in detail, including a demo-plugin we created as a proof of concept.
We ended up creating a custom field type called secure_file_advanced
that allows the passing of custom parameters to the $_REQUEST before the file is uploaded. To do this we needed to get very intimate with how metabox.io has implemented the WordPress AJAX Media Uploader on the back and frontend (three uploaders deep). Our case may be an edge case, but it dose extend the flexibility of existing file_advanced field.
Regarding field type file: no for all the reasons that we went with file_advanced in the first place.
Also, adding the upload_dir attribute to the field meta, visible on the frontend, is not desired.
Also, with thousands of members we needed more than just a single upload-directory.