Hi Will:
I too was bothered by the default pointing explorer.exe to My Documents.
My XP Home would not accept the change via "Go to Programs>Accessories,
right click on the Windows Explorer icon, select > Properties and type or
copy/paste the following into the 'Target:' box to ..."
However I was able to simply create a new XP Explorer Shortcut using
"%SystemRoot%\explorer.exe /e,c:"
Thank you for this tip!
RobbieA