Only your choice is the correct one.
As to your second question, while there are tomes on the web about user home folder relocation (links to follow) why not just save it where you please?
https://www.google.com/#q=user+home+folder+redirection
Bob
My new PC just arrived. It has a smallish 256 gig SSD and a 2TB hard drive. How do I set up Windows so that big files like my picutres, my music, my downloads, even my documents goes to the harddrive instead of the SSD where Windows is installed?

Chowhound
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