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    During the installation process it is clear mentioned that the following folder are to be open for write access
 xoops_data/caches
 xoops_data/caches/xoops_cache
 xoops_data/caches/smarty_cache
 xoops_data/caches/smarty_compile
 xoops_data/configs
 xoops_data/data
 xoops_data/protector
What about this one xoops_lib/modules/protector/configs/ ?
I can't remember exactly where I got this from but I am pretty sure it caused me some troubles in the past when it was not enabled for write.