grin
I would do nothing really special, just define a set of constants at the top of the script, to hold the modified tablenames.
define('PRODUCTS', $prefix.'products);
define('USERS', $prefix.'users);
then in the SQL you can just type:
$sQuery = "SELECT * FROM ".PRODUCTS;
which is easier to type/read, and the constants are true globals so you don't have to import them into functions as you would with the variable.
You could even go way overboard, and write a query parser. Then you could use table names like [PRODUCTS] and have the parser replace it by the real name
$sQuery = "SELECT * FROM [PRODUCTS] WHERE this=that";
That would save you the confusion of concatenating the constants... but that is really for the bravehearts/lazy typers amung us.
see, nothing shocking about my ideas this time :-)