ispell.el: better `default-directory' and kill-ispell-on-exit handling * textmodes/ispell.el (ispell-init-process): Use "~/" as `default-directory' unless using Ispell per-directory personal dictionaries and not in a mini-buffer under XEmacs. (kill-buffer-hook): Do not kill ispell process on exit when `ispell-process-directory' is "~/". (Bug#6143)