hint: consider that if you have a real folder "folder1", but you need to control some properties of a sub-folder "folder2", there's a trick: you can manually add the folder2 as real-folder under folder1. this will give you control over it.
Thanks a lot rejetto and thank you for trying to help bacter. To be honest, I've never played around with virtual folders before. I thought they were just for quick creation because they were to be deleted soon. I've read all I can on HFS, but one thing I could never find was a good explanation of the difference between real folders and virtual folders. I suggest it should be added to the FAQ on the main website.
But anyways, it's working now. Thank god I don't have to have each member in my main directory. That would totally suck. I now have the ultimate template, but I think I'll forgo sharing it for awhile until I test it for at least a month and try to improve on it some more. The user tools area just doesn't look too good. I'm not very good with styling in CSS and it looks pretty ugly.