Optimal Personal Folder Structure For Windows 7?

I have confusion and perplexity over the optimal folder structure for Windows 7. I make it a standard practice to put My Documents on a separate drive.Windows 7 allows you to move the personal folders to a new location, but in both installs where I've tried this using the documented procedures, the Documents folder disappeared and I had to reinstall WindowsSo the personal folders stay where they are.What to do? Use libraries! I decided to put a folder called My Document Center on D: and make it the default for the Documents Library.That should fix the problem, I thought. Ithasn't.C:UsersUserNameDocuments appears in the Documents library. That's fine. I expect it. This seems to be the personal folder.

I'd expect it to have nothing in it. But it does have quite a bit of stuff, it seems from program installs. That's not fine. I guess programs put stuff there because they don't use the library. Start Menu | UserName takes me to a window that has a "My Documents" folder and a shortcut to a "My Documents" folder, but the shortcut seems to be useless since it tells me I don't have permission to access it, though it indicates I could probably do so through the security tab. That makes me wonder if it is a virtual folder of some sort, though. I'm not sure what its purpose is other than to create confusion. Question 1: Is there a way to redirect all the stuff that's going into the personal Documents folder?