I'm glad that you got the share setup, David. I have no need for this option, and though it may be a loophole, many people will be interested in giving this a shot if Internal drives are not presented as a valid backup destination.
As for the forum alerts, I do indeed uncheck that on almost every post as the alerts would inundate my inbox.
I'm sorry that you find OneCareBear's responses to be insulting. We can all come across pretty harsh sometimes in writing, as we lack the other communication cues that we get during a conversation. His statements and mine, when it comes to issues such as the one that this thread addresses, are our opinions. We can only speculate on the design goals and decisions made as OneCare has been developed unless there is public information from Microsoft that we can quote or refer to. I'm not sure I would call OneCare a "hand holding application," but I do believe that the intent is to provide good security in spite of ourselves. It does appear to work in that the majority of people can install it and pretty much forget that it is protecting them.
-steve