I have always, since as far back as I can remember, always saved to the default, which is, in the case of Microsoft OS's, is usually a user folder in the the "System" Drive. Windows 7 folder system has been designed exactly for that. The only precaution is, sensibly, to make sure you use regular images/backups for valuable data. Even a second drive, as suggested, can go sick!
To try to take ownership, using my hack, or through the security options, is a bad idea. They are secured for a purpose.
Not quite sure if I understand Pat's reference to saving files to program subfiles. Perhaps ypu mean folders?
How would saving the files to a separate partition/hard disk, solve the problem of ownership? Not clear on that one either. Or do you mean he would not then need permission to save to his created folders?
Perhaps the OP is aware of the suggested options, but maybe, as I suggested, his problem is not understand the new junction folder system in Windows 7
Operating System I own one hi spec laptop, but constantly have four or five different models running in the house.
Computer Type Changing almost daily.
CPU Type and Speed See above
Anti-virus Software Anything currently testing
Computer Skill Level Certified Professional