All that being said, thats a certain level of paranoia which i dont think is productive.. but perhaps for targets of the state or what have you, I'd rather not chance it.
To put it in perspective, if you were logged out completely and tried to login remotely, you would be forced to use a password login initially. If it was more like my desktop where I'm logged in and the screen in locked, the home folder is unlocked, so I can remotely ssh in using just my keys.
AFAIK the main benefit is: if you want to run a multi-user or headless system, you need the network stack brought up before a password is entered - which home directory encryption provides and FDE can't.
It does not give any extra benefit because tmpfs only resides in RAM, and disk encryption typically only concerns data at rest.
If you come to a point where you want to have /tmp/ encrypted, you would rather encrypt the whole RAM. (Does anyone actually do that?)