This. For home use having a separate / and /home (and maybe a swap) formated as ext4 is solid and allows you to distro hop with ease. As you get more comfortable with Linux, you’ll learn about the luxury of LVM volumes and more exotic filesystems with compression and other features. What is important is to always keep fresh backups. BorgBackup is your friend, you can find a few graphical front ends for it to simplify things.