Yep, though you can mitigate it a little bit in various ways. For one weird example, I keep my main user Home folder on my NAS and mount it via iSCSI. Mostly that's for data integrity/size/backup purposes, but it does also make it free to snapshot before trying out a system upgrade. If I hate it I can rollback my entire set of user data along with the OS.

Though amongst many other wonderful things lost in the mysts of Mac history I still desperately miss NetBoot/NetInstall and ultra easy clone/boot with something like CCC and TDM. It's so fucking miserable now in comparison to do reinstalls/testing/restores.