Does anyone else use RCS [1] for this?
RCS, in short, is that horrible feet-killing pair of boots that made you think you hated <insert sport here>, when in fact it was just frustration with sub-par equipment.
[1] If you need to learn git, check out Scott Chacon's excellent Pro Git, available for free online at: http://www.git-scm.com/book
That said, using tools mentioned in this thread (esp. vcsh[1] and mr[2]) it's possible to have one's cake and eat it too w.r.t. using git for homedir version control without the worries of accidentally running VCS commands on your homedir. They also allow some real benefits, like the ability to use and deploy subsets of your rcfiles. For example, you could easily create profiles like: "server-side minimal core", "main personal system", "work box with employer-specific stuff".
On Solaris hosts, including locked-down "production", I use SCCS to version my dot-files because it's available by default. For development I use SVN (old too by today's standards).
I don't advocate using these old tools over modern alternatives; however I find their simplicity in the above cases to be beneficial.