No need for that at ALL. I have all my plugins at the root of my D drive, which is an SSD. I have two folders, one called Vstplugins 64 and one called Vstplugins 32: the use of those is obvious, I think.

I only let Sonar scan the 64 folder: the 32 folder is only there because some installers insist on installing a 32 bit version...
Anyway, you can pick any folder for Vst's yourself. You might as well install them in a folder called Donald Duck on a Z: drive... it doesn't matter at all, as long as Sonar knows where the folder is! There is NOTHING magic about the folder and its location itself!