@djsundog Here is a post I wrote for my day job a while back. I have done this on every Mac and Linux computer I have used for the last 8 years. It solves the problem of having a Downloads directory full of 10% mission critical can't lose stuff and 90% garbage that you are inexplicably saving.

https://developer.servicenow.com/blog.do?p=/post/ot-transient-mac-directory/