scfg
 validates/creates directories when you save the file area config but they are
 missing the '/' between "dirs" and the internal code...

So the Transfer File Path auto-default-value logic is actually in 3 places:
- load_cfg.c prep_cfg()
- scfgsave.c write_file_cfg()
- scfgxfr2.c dir_cfg() - for display purposes only

<sigh>