On the contrary, having a single blessed, supported, and secure home directory utility will simplify a lot of tasks around generating home directories and encrypting them. You no longer have to figure out/solve automounting, decryption/rotation, or realms using a litany of bash scripts or stack overflow snippets.
You are assuming that homed fits all use cases, which it certainly does not. It is opinionated and has a limited scope. This will add to the chaos, not subtract from it. I just hope the extra penetration of encrypted home directories is worth the added complexity.
