Thats why I suggested getting rid of the whole "c:\documents and settings\user\my documents" crap that windows creates be default, also because the "my pictures and such don't really fit under "my documents" either.
I actually downloaded picasa or linux but haven't gotten around to installing it yet, I haven't booted into windows in months so I haven't tried it there either. I always thought it was more for pictures because I treat all my scanned receipts as documents so I don't really want them mixed with pictures.

My suggestion would be to make another partiton or folder somewhere else besides the "c:\document..."
Make a d:\documents, d:\projects, d:\pictures, d:\reference, etc or data\documents, data\pictures, data\projects, data\reference, etc.

Don't limit yourself to the (bad) organization that is the default because what if you ever did want to switch to a mac (for example since its popular on thsi board). I have always belived the machine/tool/system should be made to work around the user, not the user should comform to the system.