This is so goofy.  I just tried a reinstall and when the 'install to' list comes up, Library, Documents, etc. - none of this is available.  It's pretty much only Programs and Programsx86 offered to choose from.  The rest of the choices are non-starters, even I knew that.  OS list gave no viable choices at all and the rest is the other drives on the computer.  I think I want a tee shirt just like yours.  :(((