Thanks for the references. I pretty much understand the issues discussed although I am less sure I understand how having $HOME/Desktop is more secure than having $HOME being used AS the desktop folder. Probably due to where the malware creator is able to get the autostarted file placed. That ability seems the same to me regardless of which directory is being used as the desktop folder. However, since I want it to be $HOME/Desktop I guess I am satisfied with my current degree of understanding though I will hold the references to reread another time.
In any case, my original question has not been answered. I do believe I have found the answer but will include that in another post.
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Dazed_75 a.k.a. Larry