simple solution to augment list of spotlight directories
I'm not sure I'd call the OS preventing us (average users, aka, the source of the problem) from searching the Library folder a problem. Most of us don't belong in there. I'd like to have a command to give it to make it search library folders, but I don't see that as a shortcoming.
Spike
There's at least one solution to enable directories that Snow Leopard automatically excludes from the spotlight. I say at least one because I believe that you can actually create custom database indexes with apps such as quicksilver, path finder, total finder, etc. and then create your own hot key trigger that launches the apps built-in finder. I use quicksilver all the time, but I have never liked it's spotlight search design/interface.
Anyway, if you just want to be able to access the folder /Users/[user]/Library then simply create aliases for the top level directory and all its subfolders.
Spotlight's default index includes 'Folders' so they will be automatically added the next time it rebuilds its index. I would recommend, however, moving the folders to a different location and also changing the icon of both the library alias folder and all its subfolders folders so that it can easily be identified when the spotlight window appears.
One other thing:
The /Systems/Library folder cannot have an alias made of both itself and its contents, so I think you'd have to fudge around with it's ownership and/or it's permissions by changing adding another user (yourself) to have custom access as the super user. But for most people the contents of the systems' library folders is best left unaltered.