The solution that I’m working with temporarily is an applescript application bundle that creates the directory wsd (windows share d) if it doesn’t exist (applescript for the existence test because I didn’t know the shell command and mkdir + chmod shell commands) and then runs the shell mount_smbfs command. When the directory is mounted, the applescript then pops an alert to let me know when its ready to go. More on this a bit later…

Mount the volume with a mask that is writable by your logged in user, or create the directory in advance. For example:

sudo mkdir /Volumes/D$
sudo chmod 777 /Volumes/D$
sudo mount_smbfs -W workgroupname //username@ipaddressofserver/D$ /Volumes/D$

Or, a little cleaner would be this:
sudo mount_smbfs -f 777 -d 777 -W workgroupname //username@ipaddressofserver/D$ /Volumes/D$

Of course, 777 would be more aptly named “666″ because you should never really use it, but its a nice quick fix.