jerod: It sounds like you may have multiple mirc.ini files bouncing around on your system. This was probably explained before, but here it is for clarity.
RULE 1: If mirc.exe and mirc.ini exist in the same folder touching each other, THEN the install directory will be used and your roaming directory will not be used.
RULE 2: If mirc.exe and mirc.ini are not touching, then the roaming folder will be used.
Scan your harddrive for locations of mirc.ini and make sure they are situated where you want them to be.