User Accounts suited to family usage

I have just moved from Me to XP Pro and need help
deciding the best options for setting up accounts for
family use. For example, if I set up accounts for
individuals, how should we exploit the My Documents and
Shared Documents folders? The folder "My Documents" from
Me has become Dave's Documents, but is still visible in
my wife's account.

My Outlook Express settings from Me have moved into my
own account in XP. This appears to be inaccessible from
my wife's account, but I would like her to share the same
Outlook folders to read and write messages while leaving
me to send and receive.

The above make me wonder if I would be better served with
a "Family" account, plus a separate Administrator
account, rather than personalised userids.

Sorry to combine topics in one message - what I really
need is a pointer to a "Dummies Guide to planning XP User
Accounts" document )

Thanks

Dave