I think it mostly a historical convention which assumes that users have an actual home directory and more access than just to their e-mail. Then it makes sense to have a ~/Maildir/
subdirectory in addition to ~/public_html/
, ~/.ssh/
etc.
For virtual mail users there isn't much actual need for such an intermediate ~/Maildir/
directory, but using it doesn't incur much cost (1 inode per mail user) and changing it will require explicit configuration in most software (if possible at all), possibly resulting in portability issues when migrating to a different mail system in the future.
Typically I'm strongly in favour of doing the conventional and I would recommend sticking with the ~/Maildir/
. Just because you can change from the defaults doesn't mean you should.