However this "exemption" does not and should not apply to anything newer. Things like Cargo, Snap, Steam, Jupyter, Ghidra, Gradle, none of those should be putting their stuff (especially temporary junk) directly and unsegmented into $HOME.

At some point I had more than 50 different dotfiles and dotfolders in my $HOME. It was unwieldy and nasty to look at. I couldn't even figure out what created some of those files because they were so generic.

Plain $HOME as the dumping ground simply does not scale beyond a select few.