The CVS repository is under the management of the CVS application to store file revisions and history information. You shouldn't have directly access to the repository to put your VIs from user.lib.
Usually, you work in your sandbox directory to edit your files and VIs and then commit your changes to the CVS application that takes care to copy your changes in the repository.
Now your local work directory can be anywhere you wish. the user.lib directory has nothing special except that by default, it is synched with a menu palette and put in the VI Search paths list. If you want to work elsewhere, just edit the palette menu to have this other directory synched with a menu and add the directory on the VI Search Paths list. You'll get the same f
unctionality than the user.lib directory.