I didn't come up with this idea, though, I think I saw this in a reddit thread and started doing it myself: I like that the directories are visible and follow the usual structure.
~
├── bin binaries and scripts
├── etc configuration files
├── var
│ ├── lib program data
│ └── cache program caches
├── src git repositories
├── img pictures
├── mail email in maildir format
├── note text notes, todo
├── doc documents
└── down downloadsBut more I was thinking that having ~/bin ~/etc ~/src and so on is just clutter. I use ~/.local/{bin,build,lib} so it's compact and reduces clutter in my home