I just realized that I missed something:
The "first login/tour wizard", if followed, sets up a minimum empty working environment. "It just works" for the recently created user.
But most users have their data already on disk and want to make it available as they used to do under the D-Link firmware.
That can easily be done, defining new shares based on existing folders, just using Services->Network->smb->Configure.
However, they often fall into permission issues, as the existing files and folders have inadequate permissions and ownership.
Warning: "scientific content": E.g., if the "Receipts" folder was created under the D-Link firmware for the "joe" user and "account" group, they have its own user and group IDs (UID/GID), which are just numbers unknown to Alt-F (the UID/GUI are not the "joe" or "account" strings).
When the user creates a share based on it and allows the recently created "joe" user to access it, it thinks that's all it has to do, but that is not correct. Besides validating the user, Samba also looks at files ownership and permissions, and denies its access if they don't match the user/group identity. As the user and group ID of the files was created under D-Link, they don't match Alt-F UID/GID.
Samba doesn't ignore filesystem files and folders ownership and permissions, even if the share is defined to allow access to anybody!
The right solution for this is to (recursively) change existing files and folders ownership and permissions to the correct ones by hitting the Permissions button when using the Folders Browse (and reading the Permissions webUI online help first).
I will update the top posted Topic with this info