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As for the private folders, we go with !XFX. Again the 'at the top' thing (and it's not because !XFX comes after !DAZ at least) is not the issue, just the seperating it out to avoid clutter in the 'real' folders. Why the top rather than the bottom? Well, because it's usually the top, so those private libraries can all be in the same place, together. Further, the '!' in this case serves to point out that it's not a 'normal' folder to some extent.

You're kidding no-one. What "real" folders? All folders are real. And if the default folders were somehow more important and needed to be kept together, all the more reason to have them at the top.