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>