ah. k...
Get things the way you want, log on as a different administrator (can't copy while source or destination are open), copy the customized user profile over via System Properties | advanced | Userprofiles Settings to the default user.
If you are dealing with post-SP2 and syspreping an image, simply set the administrator account the way you want prior to the sysprep. It will copy things over to default user during sysprep and setup.
If you are dealing with pre-SP2 XP machines you gotta get admin set the way you want and manually copy it over to default user per my first paragraph above.
That help?