pcpunk, yes if you create a Linux install w/o a /home partition (some experts suggests this type of install), a /home file will still be created, and you can still perform Data backups. Everything that would be in that /home partition will be in that /home file or folder.
I took notice on some of the optimization sites that the author felt that separate main & /home partitions were unnecessary. It was spoke of under the setting up of TRIM for SSD's, when it came to the point of adding the /home partition. Note that this may not reflect the views of all, or even many in the Linux field, as having a /home partition is recommended by the distro sites, some goes as far as, depending on usage schemes or machine needs, to also have /boot & /temp partitions. So it all depends.
GPT based partitioning for Linux, like Windows, will require a few partitions. On the other end of the spectrum, a casual user with only a 20 to 40GiB HDD (especially 20GiB), can easily get by with a the Main & Swap partitions. In fact, that was the way I ran Linux MInt for the first year, as I was dual booting with XP Pro on a 40GiB HDD. XP got 28GiB, I went with 1GiB Swap & the rest (less than 10GiB) was the Main partition. Back then, most all Linux OS's would fit on a CD & things weren't up to speed as today.
For instance, the default Firefox browser was always 2-3 versions behind what was offered for Windows, so was Opera, at the time I'm not sure if the Chrome browser existed, though they had other products, such as their huge search engine. And they also offered a Desktop in those days, though I don't know if it was offered to Linux users. We went through some times. I'd not want to think of 5 years prior to that, at some point, Linux didn't have a GUI as Windows did.
But you know what? There was a day when Bill Gates & Co. would have relished what Linux usershare is today. 30 years ago, they were fighting for survival.
As we're speaking, some of their huge usershare is eroding away.
Anyway, as far as Home directory backup goes, one can backup the one without a /home partition in the same manner as w/out it. Really, I believe the author of those articles has a point. Many Linux home users keeps a backup in place during the install, because they never format their /home partition. So, assuming the HDD doesn't fail (they all eventually do), and the user is paying attention to detail during the install, no personal data is lost when jumping from one, two or three versions from the last. I just went on one computer from Mint 13 to 17 with no troubles, with the same unformatted /home partition. But I know I'm pushing my luck there, a full format will be needed come the next LTS. Some things are just going to be too far behind to be compatible.
I'll backup just the essentials on that install, my personal documents, downloads, photos & nuke the rest. As Google Chrome & Firefox sync, if used, will ensure the user loses nothing, not even their browsing history. The software, I can clean install these.
That's another of the cool differences between a Linux & Windows install, one can be up & running full speed on a Linux OS, while the one with Windows is only partially done. With some luck, maybe past the first huge round of updates.
The backup tool provided by Nick is super cool. 
Cat