LDF files vs. TRN files vs. Tempdb.MDF+LDF files.:

We have a dilemma…
We have all of our MDF and LDF files in the same…192.168.6.22d$Program FilesMicrosoft SQL ServerDATAProduction…folder.
We have all of our TRN and BAK files on the…192.168.6.22r$…drive.
We have read several articles stating that our Tempdb.MDF+LDF files need to be relocated to a different drive.
We have read several articles stating that our Userdb.LDF files also need to be relocated to a different drive.

http://www.brentozar.com/archive/2009/02/when-should-you-put-data-and-logs-on-the-same-drive/
http://www.tech-recipes.com/rx/19178/sql-server-20082008-r2-move-tempdb-to-improve-performance/

1. This system is in a virtual environment, so it’s more than likely all of these drives are all on the same array anyway, and if that’s the case would relocation make any difference?

2. If they are on separate arrays, or if it will make a difference, then should there be four separate locations or five, and do each of these need their own array?.:
   a. One for the MDF files; (1)
   b. One for the LDF files; (2)
   c. One for the BAK and TRN files; (3)
   d. One for the Tempdb.MDF+LDF files; (4) or…
   …One for the Tempdb.MDF file, and another for the Tempdb.LDF file; (5)