Since you mentioned both rsync and snapshot: rsnapshot is a tool that exists.
sudo rsync -aAXv --exclude-from=exclude-list.txt --delete --numeric-ids --rsync-path="sudo rsync" / user
(the exclude list is just /dev /proc /sys /tmp /run /mnt /media /lost+found).
At a certain point you start to wonder if saving the 50 bucks a month is even worth it....
Thanks for explaining this though - really appreciate it.