If I have my /home on its own permission, when I resinstall
debian/dapper, is it sufficient to just create users with the same login
ID for the permissions on the "safe home partition" to match the newls
created user?

e.g I have /home/reg

nice & safe and most of the permissions of the files in /home/reg are of
the form "reg 755".

On the new install, when I create "reg" is he the "same" reg as before?