I personally don't like xdg. I have bin files from pip and other stuff in ~/.local/bin.

I have huge amounts of cache files in both .cache and .config. It's supposed to make my life easier by being able to backup .config and dump everything. but in reality this doesnt happen.

Backing up .config for just the user defined configs is a massive PITA. you have to put so many gitignore exceptions and I'm not even talking about the gigs of data all the chromium derivatives put into that folder.