Got it, thanks!
Perhaps something needs to be placed somewhere that makes this more explicit?
When I was struggling with the whole Save File, etc. mess no one mentioned this at all and it sure is not intuitive.
I have changed the name of the icon on the family desktop to read "Do Not Save Here - Use sda1 (below)"
It is not elegant but gets the job done.
Perhaps forcing a pop-up when the file/house icon is pressed that explains this might be in order?