Thanks for the detailed answer.
The bash manual page is very long, and it doesn't list what files are global only. I guess who ever wrote it didn't care some noob has to figure out each file one by one.
I don't like how my original .xinitrc is in /etc/X11/.xinitrc but but in my home it doesn't need the X11 folder, some config files need the full path, some dont how confusing is that.... My pulseaudio is in /home/.config when some of it is just in /home/, what a mess.
yeah, linux has a ways to go still