Oh, I forgot about the Home… so then my first point is not valid here of course. And I fully understand your frustration then!
I see we might need to just wait or make a full-disk images or in the vase of virtual machines doing image snapshots once in a while.
The first option might also be possible on the home, whether you can have physical access to the drive or not. But especially with the Pi5 it should be really easy to do, since it can now also boot from a usb or nvme drive.