Since there has been a rather serious ini-related discussion under the "I need your help for tabbed browsing!" thread, i decided to start a new thread in order to gather opinions from all users on how they see things. I hope this helps Christian decide what path to follow on this matter because judging from all the opinions expressed, i believe many users would like to see TCmd using INIs differently.
First of all i'd like to say that folder "C:\Documents and Settings\<USER>" may not be the best way to store user ini files. Probably the best folder for that would be "C:\Documents and Settings\<USER>\Application Data\TotalCmd". I assume that's why MS's people have created the "Application Data" folder in the first place. Personally, I have manually created such a folder on my PC because TC is not used only by me. I have placed the toolbars in it so that each user can have their own look of TCmd.
Having said that, here is my opinion on the matter. During the installation, the user should be asked all the things he is being asked now. When he finishes selecting options, the installation should do what it does now (install the program) and then it should create a default ini file (probably under C:\Program Files\TotalCmd, please no more C:\TotalCmd, no one is using DOS any more***). This ini should contain the following parameters:
1. All the options the user selected through the installation so when he runs another installation in order to upgrade TCmd, the installation program will not ask all the questions again. Instead it will give the user the ability to press either a <NEXT> button to go through all the questions again if he wishes, or press a <FINISH> button in order to start the process immediatelly using the default values from the previous installation.
2. Default values for all available TC options. The user could change them through a "Default Options" menu, or perhaps could change them only by hand or from an external utility with a password. This could be done in order to give "Administrative rights" to a single user, in case TCmd is installed on a networked environment.
If the user has stated he wishes to store the inis under "Documents and Settings", the program should create a "C:\Documents and Settings\<USER>\Application Data\TotalCmd" folder and store user inis and the user's toolbars under it and generally everything else that could be considererd user-dependent in the future. If the user chooses "Windows Directory", only the inis should be stored there (which of course will be common for all users but both default and user will have to exist for homogeneity reasons) and toolbars and everything else should be placed in a respective folder under the program directory (i.e. "Toolbars").
The user ini could contain all available TCmd settings in it but with a value of "<default>", denoting that the user has not changed a setting's value and that TCmd should obtain the value of this setting from the default ini file. Of course if a value exists in user.ini, TCmd will use that.
I don't know if that covers every opinion i saw out there but if anyone thinks something should be different, please say it. Christian, of course it's up to you to decide how things should work inside TCmd. All i can say is that if you decide to implement the "default.ini" and "user.ini" idea, i'm willing to develop an external application that would set the default and the user options (probably i won't be the only one

The whole ini thing is not an extremely important issue (like the tabs) but IMHO it is important and eventually it should be seriously examined.
***no one is using DOS any more: actually i said that as a kind of joke because i know companies that are still using DOS applications (logistics mostly) but there is a serious question here: many things in TCmd (like the C:\TotalCmd path) exist for compatibility with the 16bit version. The big question is are there still users out there using the 16bit version? I'm very curious about it.