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1. It sounds like the site already has the www right now. You don't really need to change it, but since you want to, then go ahead and forward it. I have never experienced any bad coming from this personally. I does take a while to get ALL the urls that are indexed to show the right one but aside from that, none really. 2. Is it going to be an easily spammable, unmoderated platform? Then I'd go with user.domain.com. But in most cases, use the /folder.

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All feedback was very helpful. Thanks guys!