Exactly so. What's the point of moving dot files / configuration files away from $HOME, but only end up having a complex directory structure that stores what you can already do with dot files?
It may be subjective. I don't like the XDG specs. Have you peeked in to OS X $HOME/Library? That's what you end up having. (Let's not talk about windows registries, but I guess systemd people like it.) Is that any better than dot files under $HOME? Hardly so.
Whereas classical Unix applications simply have one easy to identify dotfile in ~/.