I tried changing the user.ini in both the Documents folder (where I've always changed it) as well as the Witcher 2/bin/config folder (I don't remember seeing this one before) to what I had before, and even left off read-only status before launching, but to no avail. Interestingly, after quitting the game, the files are unchanged. It's like it's just ignoring the user.ini now, as well as any launcher changes, and going with what it thinks is best. I have the Steam version, BTW.
[edit] I posted a topic in Steam's Witcher 2 forums about this. Not sure if they're read regularly by anyone who can make a difference, but I'll post anything I get here.
Also, as an example of pop-in, in front of the inn in Flotsam, there's a stand with a bunch of jars and stuff on it. I basically see none of the items until I'm over half way between the inn and the stand.