The working solution listed are great, but the problem occurs when you want multiple default home for your git-bash.
A simple workaround is to start git-bash using bat script.
cd C:\xampp\htdocs
"C:\Program Files\Git\git-bash.exe"
The above of course assume git-bash is installed at C:\Program Files\Git\git-bash.exe
You can create multiple .bat
file so your git-bash can start where it want to be