I don’t really see Fedora users needing to worry. Fedora is upstream of CentOS Stream and RHEL, so Red Hat will probably love to continue to have Fedora users being their space monkeys / lab rats to find/fix bugs in the OS before pushing to CentOS Stream. Why lose the free labor?
there’s like a million ways. ansible, copy /home with btrfs, just make a shell script that rsyncs everything, bare git repo, gnu stow, use nix os, etc.
personally, i just use a shell script to restore everything from an encrypted rclone local backup (although i also backup to a server). i do this because writing the shell script was so easy because my data is very well organized.
that’s probably the best advice i can give you – if your data is well-organized and free of junk (duplicates, broken files, useless files, etc) then that goes a long way towards streamlining any restore scheme.