Newbie, but I think that if you use different usernames for each distro, you should be fine. Wouldn't using different usernames for each distro separate the config files?
Reusing the same home settings on a completely new and possibly different upgrade maycould possilby cause some issues according to what I have read.
Apparently only ~ 5% share home directories per: https://distrowatch.com/polls.php?poll=245