There is a Directory property called [USERPROFILE] which you can use for files going to each user's profile folder, or if you want you could use [PersonalFolder] which represents the "my documents" folder.
Each component that you install there must have an HKCU keypath (you'll see this when you come to validate)
You must also use advertised shortcuts for the the programs that share a feature with the per-user-file components
When your new user launches one of those shortcuts, the 'missing' hkcu keypaths will trigger a self-repair and you'll get your per-user-files deployed before your program starts
looeee