Well, you kind of implied that saying you don’t have days off… if you factor it in you certainly have, you just choose to not spend them.

Well, that should be part of your hourly rate. I’m also self-employed and sick and personal days-off are factored in (with a large margin too, just in case!).

I don’t see real advantages for partitioning this way that outweigh the negatives - for desktop usage. For servers having separate home (and/or other dirs) partitions is great, as user fluff won’t kill the ability tor ‘more important processes’ to store stuff. If everything is kept on a single partition, the user is essentially able to DoS the system by filling up space.