Not a bad idea, except that all files get dumped to $getdir/$me folder instead of a folder named after $nick.
I wrote a script for ops and opers to monitor mangled DCC packets via .debug -i _dccbug.null dccbugproc and might consider adding this to it. Or perhaps it's possble to .ignore -xu120 $nick in dccbugproc allowing mIRC to receive the DCC normally if it's safe.
* Raccoon ponders . . .