But copying the file vaulted home directory is tricky. For normal ie non file vault accounts you can just copy your entire directory eg /users/bob to somewhere, reformat or whatever, create an identical account same password, and then while logged in as Bob, copy everything back (though best not to be running any applications).
This doesn't work with file vault.
My way, maybe not the best but it works and I'm using a profile restored in this manner right now:
- use remote login
- cp -r source/bob.sparebundle /users/bob/bob.sparebundle