Vista - Store data on Data disk always

Simply stated, I want all data that I own stored on my second drive [d:].

I moved all the Users folders , i.e. Documents, Downloads, Pictures, Music,
Videos, Contacts, etc. to the D drive. Most programs recognize this and
automatically save files to the appropriate locations by default. For
example, the Office applications will save documenst and spreadsheets to the
D:\Users\MyUserName\Documents folder and programs like Photoshop save image
files appropriately in the Pictures folder in D. iTunes saves my music
downloads to Music in D.

All seems to be well, except that some programs appear to store data to
C:\Users\MyUserName\AppData\Roaming. I'm sure this default location is set
for a reason but when I backup important data, I don't want to have to
search in different places for it. That was my purpose in moving my data
folders to the D drive. Theoretically, all the data I care about is stored
in D:\Users\MyUserName\FolderName.

Is there a way for me to change the default location from
C:\Users\MyUserName\AppData\Roaming to something like
D:\Users\MyUserName\AppData\Roaming? Also, would changing that default
location have saved me from having had to manually move each of the user
folders individually?