He has similar dotfiles to mine, but no secrets. My own home directory is 0700. He has his own ssh key that I added to my github profile, but it's password-protected, and I push/pull for him. He has his own Postgres (non-superuser!) {development,test} {users,databases}.
It's as if he were another developer on the project. If he needs something run with sudo, he asks me. Often we can both work on something in parallel. Unix was supposed to be a multi-user system after all.
A trick I use a lot is that many of his git repos have an extra remote, like this:
paul ssh://paul@localhost/~/src/example (fetch)
paul ssh://paul@localhost/~/src/example (push)
I'm pretty comfortable with this setup.
I do worry about Linux privilege escalation bugs. I don't trust an AI to understand that exploiting vulns is not acceptable. (I can't help but recall that at my first job I may have misused vim's :! feature to broaden my sudo powers, which were officially limited to editing httpd.conf, when I needed something in a hurry. . . .) I find myself manually upgrading packages more often these days, despite automatic security updates. I don't think Opus would go to the trouble of looking up security vulns, but maybe Fable would, and there have been a lot lately. Maybe some future model will just take it upon itself to find new ones. Or install a keylogger to learn the ssh key password.
But a separate user is nearly the most paranoid setup I've heard of, excepting only a separate machine. So I also question whether I'm sacrificing too much speed/convenience. But really it's still very convenient. I think it's a good way of being efficient but responsible.
If other people see holes, I'd be happy to hear about them.
Although I can’t help but think that a VM is still more convenient, more flexible, and more secure.