Yeah, that sort of thing bothers me too. Ever since Windows 7, I've had problems with permissions on the User folder that I'm supposedly signed in as. Lots of the items in that folder give me a permissions error like that when I try to surf to them. It's part of the reason why I still save my documents and other work files in a hand-created "c:\My Documents" folder old-school like Windows 95. I never have permissions problems when I do that.

Of course it means that most backup programs need to be told about the folder instead of automatically finding my files. Which is fine with me. It also has the added benefit of making it so that programs which try to auto-scan for media files never find anything. (Good.)