For personal scripts or just for typing into the editbox, I prefer using "." (//echo -a $findfile(.,*,0,echo -a $findfilen ~ $1-)) to $mircdir because it's much quicker, but you're right; for public scripts $mircdir would be the way to go.

Personally though, I think storing your settings files in $mircdir is bad practice, and you should use $scriptdir.