[jml7c5]

I would suspect (though I'll admit without looking into it) that in order to know where $XDG_CONFIG_HOME is, one first has to load the user info. Bit of a chicken and the egg scenario.

[shmerl]

This should be configurable through systemd config itself then. I'm also against adding any $HOME clutter.

[mekster]

I'm already moving stuff out of home root wherever I can. At least vim and zsh allows you to move stuff out.