I don't think systemd-homed does anything for dotfiles, let alone portable dotfiles. The user record only contains (the path to) a skeleton directory used to cr

I don't think systemd-homed does anything for dotfiles, let alone portable dotfiles. The user record only contains (the path to) a skeleton directory used to create the homedir if it doesn't already exist. Populating such a newly-created homedir with your dotfiles is still your responsibility.