In Office it can learn to offer that but I find this is highly dependent and still the responsibility of the application.
Too bad no app was noted as Office does have a way to add a favorite folder to its save as menu.
Bob
On Windows 7, whenever I save a file, it will direct me erratically to any of numerous folders I have saved to before. If I save to a single folder many times, eventually it will default to that folder, but by that time I may be done saving there. Then it will direct there most of the time, even after I redirect elsewhere numerous times. However, it is erratic and will sometimes direct to another folder I've used a lot in the past. How may I set it to direct only to the last folder I saved to?
As a further consideration, I do like it when a site I download from automatically directs to where I last saved there files to, so I'd rather not undo that.

Chowhound
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