That actually is pretty easy. Set up the account in the way you want it to be, then make a copy of the users home-directory. Now you can simply remove the user's /home directory and copy back the original one when rebooting or starting the system. Just put this into your rc.local:
Code:
rm -rf /home/USERNAME
cp -pr /path/to/the/copy /home
If you don't want to happen that at every boot just put those lines into a separate script that you can launch manually if needed.
Of course there are more sophisticated and elegant solutions (like mounting a unionfs to the user's home-directory), but I would think that this is the simples method.