systemd 247 includes interesting features like creating LUKS encrypted home dirs and an option to ignore the hw RNG input. These are worth looking at for both Whonix and the baremetal equivalent.
People who just want to outsource their home folder to use it on USB to then use it on different systems, well, I don’t think that’s a realistic use case. In that case, users would be better off installing their whole operating system on USB as per https://www.whonix.org/wiki/Whonix_on_USB.
Setting the SYSTEMD_RDRAND=0 environment variable will now disable RdRand CPU instruction usage even with supported CPUs.