I figured out what you meant -- had to think about it
a minute but on retrospection I had only one question
that your reply fit.

I'm not in a position to be paranoid about this yet,
but in the future will need to package something for
other people that will be protected against just such
an event.

If the relevant home directories are encrypted at the
end of each day as part of shutting down, could they
be restored the next day as part of starting up? There's
nothing in the home directory necessary to boot, is there?