If the permission of your home directory is set to XX0, then no one but the owner will be able to access it, so that is no worry. No one but the super user can execute root commands so that's no worry either.
Read up on permissions and read up on unmask and all will become clear.
What do you mean 'root's stuff'? You don't log in as root do you? That is a no no. You should have a regular user account and only su to root when you need to do something, then exit. There are probably no good reasons to completely log in as root--but, if you think of one I wouldn't be hooked to the internets while you are in there.
Oh, FYI root can do whatever they damn well feel like, so there is no hiding from root. It is called super user for a reason.