Apply read-only permission on a folder but allow users to 'save as' in the folder

We have a precedent folder to which users are assigned read-only access, obviously to avoid them overwriting a document.  Once they have opened the document as read-only, we need them to be able to 'save as' in that folder.  I find the file permissions to be a minefield and would be grateful for an experienced answer!
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NTFS, presumably what you're using, doesn't look at "Save" versus "Save As".  Users have Write access or they don't.

One workaround I can think of, is have them save as into a different 'all-access' folder and set up a script to monitor that folder and move the files to the destination under alternate credentials...

If that sounds like an option for you, post back and I'll gladly assist with the script.

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