If you tend to distro hop or want to change fundamentals of your system, having the home partition can be a boon. You can re-install your entire system without changing the home partition, keeping all your documents/files/etc... Thats typically why people do that. Personally, I just have a network drive for that sort of stuff and keep everything important there, but it can save you time.

Always. Losing the root fs doesn't mean I lose the home fs.

Even on btrfs, and I currently do, I use a separate fs; to me it's not about having a separate partition but having a separate fs.

I am not prepared to lose my home data.

I have /efi, /home, /.

Yes, I almost always do this. If the drive with your root partition fails, or you accidentally break your install, your home partition can be easily mounted again after a fix/re-install. Also if you have ssd's this will break up the write cycles between the drives and extend the drive life. And it so makes cloning the drive easier if you come across a scenario where that needs to happen. I'm sure others have their own reasons they will gladly lait for you. Good luck!

Not really.

Even with lvm/sub volumes the benefit is that you could ostensibly keep one home directory between two different distributions you switch booting between. The better solution there would be to have a rsync backup and sync it after booting or shutting down or periodically because then you have a backup at least.

For distro hopping it’s not that great because who’s to say you’re getting the “good” experience with some random new distro when it overrides its defaults meant to be nicey-nice with some other stuff from ~/.gnome/gtk2/gtk3/desktop/widgets/clock/fonts/ttf/arial?

Just back your stuff up, rsync selectively from that backup and use the same filesystem for home as you do for /.

It’s the same thing as asking if you should put a lift in your homes attached garage. If you have to ask if it’s good idea and not just cool, then the answer is no.

Separate partition or btrfs subvolume is my preference, that way I can take homedir snapshots on a schedule (every hour or two) separate from my rootfs snapshot schedule.

If possible I put everything on the same partition. Too often have I run out of space somewhere without any benefit. I've gone through several distributions with the same partition. When you reinstall you can just delete everything except for /home. I never had any problems with that.

Of course with BTRFS putting everything in separate subvolumes is preferred for snapshots (and probably other stuff I don't know about). BTRFS shares the disk space between all subvolumes.

I used to do that with my previous install (all ext4 though) and eventually ran out of space on my root. Now I use BTRFS with subvolumes. They appear as separate mountpoints and allow separate snapshotting, but all live on the same actual partition and share space.
Only other partition I have left is /boot. (I encrypt my root and GRUB was the only bootloader which supports encrypted BTRFS with an /efi mountpoint instead of /boot last I checked. I don't want to use GRUB and it also doubles your boot time having /efi only instead of /boot on a separate partition.

There's no right answer.

The Tumbleweed users are likely doing this separation just to use different partition formats for /home and /. It's one of the reasons why you'd want a separated /home; the others being already mentioned by other users (easier distro-hopping, easy backups), as well as the con (sometimes you'll have free space, but not in the partition where you need it).

Personally it's one btrfs partition with subvolumes for root and home, previously i had a separate home with ext4 (it's always better to have a separate home)

People are talking about config issues doing this. When I do a reinstall, I just backup my dotfiles and let them rebuild. I usually don't have to restore many of them, just for a few apps I know I want the config for.