configuring libraries

I'm rebuilding my Windows 7 PC. The OS will be on an SSD. The HDD will be re-formatted (NTFS, of course). I'd like to use the HDD as the location for my libraries, as well as for the location of my Downloads, Google Drive, DropBox, etc.

What's the best way to create the folder structure prior to configuring the libraries to use those folders? For instance, should I create a D:\Users folder and then, within that folder, create folders for each user account (i.e., myself and admin)? e.g., D:\Users\Chris\My Music, D:\Users\Chris\My Videos, D:\Users\Admin\My Documents, etc.

Lastly, how are permissions established for the folders on this data drive?

I consider Libraries to be shortcuts to the actual Folders listed in C:\Users\MyLogonName\. When I right-click on Documents then click Properties, the Location tab will give me choices for moving the Folder to another location.

Thank you for the responses. For my prior installation, I had a D:\Users\Chris folder, with all of the My folders within it; I don't recall how they got there. I probably used the Move feature to move each folder to D:\Users\Chris. Does that retain the NTFS permissions? (My prior installation is no longer available for me to check.)

Thanks. My initial thought was to simply move the \Users folder from my SSD to my HDD using the folders' Properties dialog. While researching this, however, I've come across posts on various sites (Microsoft Communities, WindowsSeven, etc.) that describe using Windows' Audit and SysPrep features to also move the \ProgramData folder to the HDD -- and to enforce these changes for future user accounts, too.

Since I'm rebuilding my system, I'm wondering if I should go the extra mile and perform these latter steps. What's your opinion?