Just my $0.02... but if it's a save game issue, why wouldn't you change the folder where your save games are saved (ie, C:\...\My Docs\SH3) to no longer being "Read Only"? I can't really see what changing the main install directory would accomplish if the CTDs are all related to loading save games...
Will definately give a try it myself however... anything to be rid of the random CTDs from loading saves
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GWX3.0 - SH3Commander - Thomsen's Sounds Pack - Manos Env Pro - Hitman's Optics - RB's UBoat Flags - Waterstream & Exhaust CombiMOD - Torpedo Damage Final - DiD
AMD Phenom II x6, 16GB DDR3, 2x NVidia GTX460 1GB, WIN7 64bit