User's Home Directory

I have a FreeBSD machine from which I host many virutal hosts. Each domain of coarse has a user login for FTP access.

When I originally create these user's the home directory defaults /usr/home/<username> which is a totally different location than their web directory.

Some people have a problem with FTP'ing to their correct directory. Most in fact just connect and start uploading files in their home directory.

For instance a users web directory may be /usr/local/www/vhosts/whatever.com/htdocs so once a user has connected via FTP they actually need to CD to their correct vhost in order to make changes to their site. Simple enough.....but I guess not

In order to make this full proof for some I'd like to make the user's home directory their web directory....so when they connect via FTP they are in their correct directory.

What's the best way to do this?
1. chsh <username> and make the home directory their web directory? (will this have any effect on other things?) Move all the "." (files) to their web directory also.
2. Change their apache configuration to point to their /usr/home directory
3. Put a "cd /usr/local/www/vhosts/whatever.com/htdocs" in their .profile (will this acutally work?)
4. what else can I do to make this so simple all they have to do is connect and start uploading?

Thanks for your input