Separate /home directories etc?

[Richard Owlett <rowlett@cloud85.net>]

In response to a unrelated post to a LUG, I was asked if I had a 
separate /home directory. Short answer -- no.

I abandoned WinXP when Jessie had become stable.
The installer defaults {I assume for cause} to putting every thing on 
one partition/directory.

Where may I read about pros/cons ?
TIA