Honestly, I'm not trying to "win" a security argument. I'm just suggesting that FileVault is probably more than most people need for general "security". Given that you're running on a system that doesn't enforce encryption across all interfaces, it seems that encrypting the data you need encrypted -- even storing it on an encrypted image, managed with something like
Knox, is probably more practical than doing the whole home folder.
If you're concerned about everything then, by all means, please use FileVault. Just recognize that you're balancing safety (security) and convenience, and you might need to take extra steps -- like logging out of your Home folder and into a different account -- when backing up.
In addition, since you're abstracting the storage of your files a level, disk damage can be far, far more damaging with FileVault than without, since the same tools you're concerned about "hacking" your data, like Data Rescue, can no longer recover your files in the event of a disaster.
It's a tradeoff...