Speculation went wild, with many (including Apple Support reps) presuming that this was intentional on Apple's part and now policy.
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Apple ended that speculation late last night with the release of iTunes 11.2.1 (also available via Software Update). Install this and you can literally watch your /Users folder re-appear during the installation process. No reboot required.
Thanks, Apple, for the quick fix. Next time a little, “we're working on it” note during the day would have ended a lot of unnecessary concern. But hey, all's well that ends well.
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