the ONE thing i liked about mirc is fact it doesn't save to the user's setting dir. made reinstalls of vista much better, and anyways vista should save ini files in the user's setting folder if they dont have the rights to write to where its at.
at the least, if u do set up the use of application settings, make a setting asking if we want to do that, i have no issues running mirc as admin. and i hate programs that use the user's appdata folder seeing as how im the only user on this comp