I have four folders in there, none of which have a user.config in them. In one folder I have the .exe icon and questwizard.config which I will paste..
<?xml version="1.0" encoding="utf-8" ?>
<configuration>
<configSections>
<sectionGroup name="userSettings" type="System.Configuration.UserSettingsGroup, System, Version=4.0.0.0, Culture=neutral, PublicKeyToken=b77a5c561934e089" >
<section name="QuestWizard.Properties.Settings" type="System.Configuration.ClientSettingsSection, System, Version=4.0.0.0, Culture=neutral, PublicKeyToken=b77a5c561934e089" allowExeDefinition="MachineToLocalUser" requirePermission="false" />
</sectionGroup>
</configSections>
<userSettings>
<QuestWizard.Properties.Settings>
<setting name="InstallDir" serializeAs="String">
<value />
</setting>
<setting name="TriggerTypes" serializeAs="String">
<value>,TurnNumber,TotalPopulation,QuestLocation</value>
</setting>
<setting name="TreasureTypes" serializeAs="String">
<value>Custom,Block Tile,Complete Research,Complete Training,Create Goodie Hut/Lair,Create Shard,Create World Prop,Creatures Gain Level,Damage All Units,Damage Unit,Declare War,Give XP,Give Item,Give Unit,Give Money,Give Resource,Spawn Monsters,Unlock Improvement,Unlock Spell</value>
</setting>
</QuestWizard.Properties.Settings>
</userSettings>
</configuration>