homed.conf, homed.conf.d — Home area/user account manager configuration files
/etc/systemd/homed.conf
/etc/systemd/homed.conf.d/*.conf
/run/systemd/homed.conf.d/*.conf
/usr/lib/systemd/homed.conf.d/*.conf
These configuration files control default parameters for home areas/user accounts created and managed by systemd-homed.service(8).
The default configuration is set during compilation, so configuration is only needed when it is
    necessary to deviate from those defaults. The main configuration file is either in
    /usr/lib/systemd/ or /etc/systemd/ and contains commented out
    entries showing the defaults as a guide to the administrator. Local overrides can be created by creating
    drop-ins, as described below. The main configuration file can also be edited for this purpose (or a copy
    in /etc/ if it's shipped in /usr/) however using drop-ins for
    local configuration is recommended over modifications to the main configuration file.
In addition to the "main" configuration file, drop-in configuration snippets are read from
    /usr/lib/systemd/*.conf.d/, /usr/local/lib/systemd/*.conf.d/,
    and /etc/systemd/*.conf.d/. Those drop-ins have higher precedence and override the
    main configuration file. Files in the *.conf.d/ configuration subdirectories are
    sorted by their filename in lexicographic order, regardless of in which of the subdirectories they
    reside. When multiple files specify the same option, for options which accept just a single value, the
    entry in the file sorted last takes precedence, and for options which accept a list of values, entries
    are collected as they occur in the sorted files.
When packages need to customize the configuration, they can install drop-ins under
    /usr/. Files in /etc/ are reserved for the local administrator,
    who may use this logic to override the configuration files installed by vendor packages. Drop-ins have to
    be used to override package drop-ins, since the main configuration file has lower precedence. It is
    recommended to prefix all filenames in those subdirectories with a two-digit number and a dash, to
    simplify the ordering of the files. This also defined a concept of drop-in priority to allow
    distributions to ship drop-ins within a specific range lower than the range used by users. This should
    lower the risk of package drop-ins overriding accidentally drop-ins defined by users.
To disable a configuration file supplied by the vendor, the recommended way is to place a symlink
    to /dev/null in the configuration directory in /etc/, with the
    same filename as the vendor configuration file.
The following options are available in the [Home] section:
DefaultStorage=¶The default storage to use for home areas. Takes one of "luks",
        "fscrypt", "directory", "subvolume",
        "cifs". For details about these options, see
        homectl(1). If not
        configured or assigned the empty string, the default storage is automatically determined: if not
        running in a container environment and /home/ is not itself encrypted, defaults
        to "luks". Otherwise defaults to "subvolume" if
        /home/ is on a btrfs file system, and "directory"
        otherwise. Note that the storage selected on the homectl command line always takes
        precedence.
DefaultFileSystemType=¶When using "luks" as storage (see above), selects the default file
        system to use inside the user's LUKS volume. Takes one of "btrfs",
        "ext4" or "xfs". If not specified defaults to
        "btrfs". This setting has no effect if a different storage mechanism is used. The
        file system type selected on the homectl command line always takes
        precedence.