Quote -      What version of Poser do you have?  If it is P8/Pro2010 or newer, it will by default put the library in shared documents.  If it is P7/PoserPro or earlier, then you may need to sacrifice a level of security and install P7 outside of program files.

I'm using Poser Pro 2012 SR3.1. I'm still 50/50 on this. A lot of artists told me they put their download runtime in program files and have no problems with UAC turned off. That would be most convenient for me as well. So not sure which i will do when i get around to reinstalling poser and windows 7.

Another thing is, i'm going to backup my download/runtime (not the default runtime that comes with poser and has alyson), the runtime where i put all my purchased things in, like M4, V4, etc. Then move it to another hd. And when i format, and reinstall poser, move back that runtime. Do i need to reinitialize all the files that were exp, like M4?