Thanks.
I have now tried to symlink /root/Documents, /root/Settings, and /root/Applications to seperate dirs on the SD card and all is well. If I boot without the card in I get some weirdness (Opie somewhat resets and can't find anything) but as soon as the SD is back in, another reboot brings it all back.
I believe I will put the three dirs above back where they belong and instead move all of /root to the card and symlink the /root dir.
btw: Is anything ever stored in /home? It appears the only user on the device is "root" and all of root's stuff is normally stored in /root.
Thanks again,
Kent!