I think the best way to do this is to create a workflow on user creation (you can filter the class concerned by a workflow with a multiplexer workflow). This workflow will have to create a new node for this user using himself as the owner. Then, create a role with a rule content/edit limited on objects created by the owner.
The following contribution use this method, but i did'nt test it : http://ez.no/community/contribs/workflow/personal_folder
Hope this helps...
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