glad that it works and I can confirm that voip providers are like black magic (I work for a company that supplies to them) :-)
I haven't really tried the per user routing features yet, so I can't say much about that, but I think here is what I did (from memory and from looking at the phone lines page): I told LMCE to use automatic configuration, chose any random voip provider and entered bogus login info, then went to the Freepbx webpage (without clicking through LMCE web admin, but by directly entering the url) and changed the sip account informations there directly.
I'm not sure if this is a good idea or not, but it has the advantage of giving me the "settings" option under "phone line" which allows you to specify which extensions to ring in each security mode (for example ring all extensions when you;re at home, don't ring the bedroom when the house is in sleep mode etc). This page might be the one that creates the IVR for you once you submit it.
The IVR kicks in after a certain number of rings and asks you which user you;re calling, and that's when the per user routing should kick in, except if you identified certain CLIs as "caller for me", then it should know even before the caller hits the ivr. Again I haven't experimented with routing calls to specific users yet, so this is only a guess...