The `~` path (and `cd` with no arguments, to get there) are also part of the prime real estate. It's as if these polluters think you'll enjoy accessing their stuff via `~/<tab>` which might or might not be true.
Polluters probably assume you'll never access anything at all except through dedicated apps, and bookmarks. In my case it's mostly true but it's still icky and ugly to see a crowded home dir.
Yeah, but that is still one application. You might come fr enough with CDPATH and configuring .inputrc to do something smart with ^m and the %-character (for the root of your document folder).
If it will be enough, I don't know. It might be enough for some, but it is still something which can be done without getting the maintainers of openssh to agree with the idea of a clean ~.