I'm gonna be real. I dont think home directory files should handled by something named tmpfiles. I think something named tmpfiles should only handled volatile data as it is colloquially known. I get there's a lot that can be considered that in home directories. But user data should be handled by something that is made for that and users inherently know by the name that this will mess your home directory. This only applies to monoliths and monoliths to be like systemd. Maybe you're doing too much with a single program if your naming becomes problematic.