The second example is a nice start, but I'd really like to see invisible files/folders in ~/ done away with altogether.
So starting with that example, I might add a visible ~/Library/ folder, then move ~/.config/ and ~/.local/ in there as ~/Library/Config/ and ~/Library/Local/ as normal visible folders. Same for .bashrc, .profile, etc; put them in ~/Library/Config/ without the dots.
So starting with that example, I might add a visible ~/Library/ folder, then move ~/.config/ and ~/.local/ in there as ~/Library/Config/ and ~/Library/Local/ as normal visible folders. Same for .bashrc, .profile, etc; put them in ~/Library/Config/ without the dots.