Jorg_Mertin:
Actually, if you tell the installer to not format the /home partition, it will not format it.
This however requires you to define the partitions manually. But be sure it is a partition on the disk, not a directory. If you have a directory, you have to copy it onto another external disk and restore it afterwards.
For the disk image, no clue. I never take disk-image backups. Loss of time and space.
I only backup the data I need (/home and /etc) - the rest is performed by an installation way faster. Also - most of the important data is synced to my internal nextcloud instance anyway.
From experience, it is much faster to re-install a fresh ubuntu, configure nextcloud and grab a coffe … until the home-directory nextcloud directory is synced back.
What Jorg said is correct. That said, you absolutely should have your home backed up - life happens and losing data is no fun.
Myself, I have my home backed up every single day.
If it was me:
Backed up home, always, always. Trust backups.
Then you’re free to try and use the install by not telling it to format, but never trust it entirely. Get this wrong, that’s it. Hence, always have backups. OS’ fail.