Add note about .emacs.d Windows path

At least on my Windows 7 machine, `user-emacs-directory` prints `~/.emacs.d`, which is not really useful, since you also then have to realize that the tilde refers to the roaming appdata directory. I think this way of documenting would perhaps be more immediately useful. For probably almost all other platforms the tilde path will work just fine.
I'm reasonably sure this path is different on Windows XP.