Now that's weird. Gaim shouldn't have anything to do with kde, so why would a directory under ~/.kde solve the problem?
I experienced this GAIM crash on two different computers with Freeroock, and in both cases it was the sound causing the problem (the program crashed as soon as one sent or got a message), and turning it off was a solution. Using the official Gaim package also worked. Running Gaim from the console did not give any errors (except segmentation fault perhaps).
If the problem is solved, I'm glad, good for you
, but I doubt that the solution is what you described.