Folder structure and ntfs permissions and shares

I need the best advice on setting file/folder permissions to accomplish a specific task.
I need a folder and under that folder to have subfolders of each of my users and within that folder have another folder that the users only has read only access.

If you look at the attached image
Active would be a hidden share and the user would have a shortcut on their desktop that brings them directly into Their folder , when user1 clicks the shortcut they will be in a folder that has another folder called complete and that is all they will see.  Files for them to work on will be placed in this user1 folder and when they are done either a batch file will move the files into complete or another user with access will move the files into complete. At that time user1 will be able to go into the complete folder and open the files and read them but will not be ale to modify or move the files.

In the past we had some problems with admins modifying rights on folders and inheritance really messing up our file server.  

I just want to know how an expert will tackle this task.  I also had another thought that the Complete folder instead would be a shortcut that brought the user to a different directory altogether which they only have read only access,  that way I don't have to worry about inheritance from folder above and setting deny permissions on the Complete folder.

All thoughts are welcome and I think this is an easy task, just don't want to do something and in time realize I set it up wrong from the beginning and cause problems in the future.

Also  ,  Is their a siple way to create the directory structure of all my users and only give the permissions Im requesting.  I feel this is going to be a manual process and take some time of giving the proper permission for each user.  AD basically does this for me when I assign a user a home directory, is there a simple powershell script that might be able to create the directory structure ?  just a thought