I used to keep my home dir on a separate partition, but I was always worried I'd wipe it out during the OS install.

Instead I backup my home dir with borg backup to drives/cloud.

I have a script to borg mount my most recent borg backup, so when I set up a new OS install, I just run the script and copy my files over from my backup to my computer's SSD.

I love this method because I can easily install a different SSD, switch to a new computer, or just do a clean OS installation very easily.