Thanks for (helpful) replies. Yes 'tis true *I* prefer to choose which folders show up (and clutter) in "My Documents", as opposed to allowing Programs to do so.

Given there doesn't seem to be a way to redirect lotro from My Documents, there seems to be an acceptable workaround: mark lotro folder "hidden" and voila. Game seems to run fine. Just sharing that in case others may wish to do the same.