It is inevitable. In my hurry to test something I created yet another console application and started entering some code. Funny thing how the project numbers keep mounting, and I have no recollection what any of these small test applications do since every default project goes into the same directory.
The solution turned out to be quite simple. Remove the WRITE access to the default project directory for my development user account. Now when I go to save, I am presented by the following dialog:
This gives me one last warning that the project doesn't yet have a home...I can now decide where to place it and what it will be called. Actually, I can't even RUN the application until it has a home...
Granted this means that there will probably be another directory with a hundred ProjectN programs... but I'll know I put them there on purpose.