Staggered versioning / thinning out versions

Yes … call me lazy, but I simply back up my whole C:\User<Username> folder ^^
Annoyingly %APPDATA% and %LOCALAPPDATA% often are used for both for storing configuration data (which I want to backup) and cache / temp files (which of course I don’t care about).
So I’d have to go through each and every program and check where it keeps its cache / temp files to specifically exclude them …