A lot of data is managed by software and by convection there is a dot before them
Unmanaged/Arbitrary data like random pictures or notes are personal and should end up in $HOME/personal
git repos are special managed data, thus they all end up in $HOME/sources
$HOME is supposed to let software to create their data folder and optimally without the dot
The data here includes config (which is read & write like data file)
$HOME/.config or XDG spec is monkey patch that do the wrong thing.
GUI file manager should open $HOME/personal as initial location
Terminal should open $HOME to let user access software's data file with shorter path (aka without .config/ )
You don't know if i am mad or being brilliant or simply brain dead, but i am making perfect scene.