I think best would be to work with /usr/etc/skel and /etc/skel as it's proposed in https://en.opensuse.org/openSUSE:Packaging_UsrEtc#Variant_3 For this we would need a patch for useradd at least (shadow package). I don't know whether there are other programs/scripts on our distribution adding users and the initial $HOME for them. Is YaST using useradd? I have no idea ...