Crazy idea: what if we were to just nest a personal directory within ~? i.e., New standard directory `~/personal`, new environment variable, $PERSONAL. If we

Crazy idea: what if we were to just nest a personal directory within ~? i.e., New standard directory `~/personal`, new environment variable, $PERSONAL. If we could come up with a default `~` like character for globbing to `$PERSONAL` like `~` does to `$HOME`, say, `@` (obviously that isn't the char to go with and I'm not a BASH expert to be able to pick one not already occupied). All your personal dotfiles are in `~`, all your personal files are in `@`. Default `cd` without args to `$PERSONAL`. No worries about tons of files that are in `~` because you live in `@`.