HOME when using both cygwin and cygwin64

[Eliot Moss]

Dear Cygwin-ers -- I solicit suggestions around the following.
For a long time I have used cygwin (32 bit) almost exclusively,
and in that universe my home directory is /home/moss, which in
Windows land is C:\cygwin\home\moss.  Now I also have cygwin64
installed under C:\cygwin64, with another home directory there,
C:\cygwin64\home\moss.  When I start a 64-bit bash in a 64-bit
xterm, HOME gets set to /cygdrive/c/cygwin/home/moss.  Does
this seem right?  It seems counter-intuitive to me -- should
it not be /home/moss, namely C:\cygwin64\home\moss?  If that
would be better (I think so), how can I best achieve it?

Regards -- Eliot Moss

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