~/.emacs.d/ in load path (Calc file conflict)

[Jay Belanger]

I recently got a message from a user who was having trouble starting
Calc when he had Calc settings saved in `calc-settings-file', which by
default is "~/.emacs.d/calc.el".  The user has "~/.emacs.d/" in his load
path, and so when Calc is started Emacs will look in his settings file
"~/.emacs.d/calc.el" instead of ".../lisp/calc/calc.el" for autoloaded
functions.
Is "~/.emacs.d/" often in the load path?

I can change the default value of `calc-settings-file' to something that
will avoid the conflict mentioned above (while still using
"~/.emacs.d/calc.el" if it exists), but should such a change wait for
the 24.1 release?

Jay