I'm in pretty much the same boat as you are only difference is my main monitor is 1600x1200. I split my 2 accounts on the 1280 at first, however it didn't look very good like that. They were terribly squashed. Was that because I forgot to set the resolution?

My .ini's work, and look pretty much exactly like that, but I didn't know I had to set the custom resolution, I thought thats what maximizer was for.