Maybe I can make something more clear in this "discussion".

First of all, it IS a standard behaviour to implement something by oneself if the author of original software doesn't do it, by whatever reason. As many people don't know how to code they can either pay for it or try to initialize something called a fork of a software. Good example is mozilla with all its derivative applications like firefox, thunderbird, seamonkey and many more. But the average user has no right to command the developer to implement a specific function. One can always ask for something and try to convince the developer to do something (for which some good arguments are needed), but that's it.

Second point is regarding folder structure on n900. Usually you have three different partitions with one filesystem each:
root which is mounted on "/" with filesystem ubifs
home which is mounted on "/home" with filesystem ext3
MyDocs which is mounted on "/home/user/MyDocs" with filesystem vfat

Most interesting here is home partition which contains all folders in /home as there are /home/user and /home/opt and probably more. They are on same partiton and therefore within the same filesystem. So you have to differentiate between the filesystem structure and the logical distribution of data. The filesystem structure contains ALL files within this filesystem regardless where they are stored or what they are used for. Doing a backup is made easiest when storing the complete filesystem to another place. Replaying a backup therefore is easiest made when storing the complete backup to the partition again.

Beside that you can distinguish between the logical parts of that filesystem. You have "user", which is your home folder and "opt" where all the important files of installed packages are stored. As some data of installed packages are also stored to rootfs it is very important to keep root and opt in a consistent state.

What you could do is erase /home/user and loose all your personal data. All needed files there should be generated when first booting the device or calling an application (but don't claim me on that, maybe some files are needed first for full functionality). Therefore you also could selectively restore /home/user from another backup and use that data instead or try to do a seperate backup of /home/user. Implementing something like that in backup menu should be doable even if it's not that easy.

Nevertheless, please calm down and come back to a knowledgeable discussion.